Natural hazards · Moon Lake

Moon Lake, FL natural hazards

Most of the natural-hazard damage FEMA expects in Moon Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1985.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Moon Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moon Lake to be higher than in 69% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes35%Tornadoes18%Everything else10%

By hazard

What Moon Lake faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

38% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

35% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

18% of expected damage

Above average · higher than 60% of U.S. places

Lower here

Coastal floodingHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Moon Lake flood?

Every paid claim on a federal flood insurance policy in Moon Lake, from FEMA’s records.

6paid claims since 1985

$32Kpaid to owners

0homes flooded more than once

19852026

Biggest named events

Hurricane Hermine: 2 claims, $14K
Hurricane Irma: 1 claim, $2K
Hurricane Elena: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Moon Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pasco County.

Disasters that hit Moon Lake

Federal disasters declared here

None of the disasters declared for Pasco County shows FEMA aid or repair money reaching Moon Lake itself in FEMA’s records.

Brought FEMA money into Moon LakeDeclared for Pasco County only

Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Moon Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Moon Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Moon Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Moon Lake total about $985K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.