Natural hazards · Northdale

Northdale, FL natural hazards

Most of the natural-hazard damage FEMA expects in Northdale comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 165 claims here since 1985. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Northdale?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Northdale to be higher than in 62% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes37%Inland flooding29%Tornadoes17%Cold waves12%Everything else6%

By hazard

What Northdale faces

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

Hurricanes

37% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

29% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 70% of U.S. places

Cold waves

12% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce 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 Northdale flood?

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

165paid claims since 1985

$13.3Mpaid to owners

0homes flooded more than once

19852026

Biggest named events

Hurricane Milton: 101 claims, $11.7M
Tropical Storm Debby: 3 claims, $85K
Hurricane Frances: 2 claims, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hillsborough County.

Disasters that hit Northdale

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Northdale itself: aid to households, or repair grants to Northdale.

Brought FEMA money into NorthdaleDeclared for Hillsborough County only

2024

Hurricane Milton

18 households applied for aid $1K aid approved

2024

Hurricane Helene

3 households applied for aid $2K aid approved

2022

Hurricane Ian

9 households applied for aid $2K aid approved

Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Northdale

Northdale and the towns around it

Very lowLowModerateHighVery high

Keystonemostly inland floodingHigh

Citrus Parkmostly hurricanesHigh

Carrollwoodmostly hurricanesHigh

Northdalemostly hurricanesHigh

Lake Magdalenemostly hurricanesHigh

Chevalmostly hurricanesModerate

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. Northdale covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Northdale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Northdale. 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 Northdale total about $6.6M 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.