Natural hazards · Pebble Creek

Pebble Creek, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pebble Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2024.

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

Expected damage

How exposed is Pebble Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pebble Creek to be higher than in 71% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding37%Hurricanes33%Tornadoes15%Cold waves10%Everything else5%

By hazard

What Pebble Creek faces

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

Inland flooding

37% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

33% of expected damage

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

Recorded about once every 4 years in the area

Tornadoes

15% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

10% 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 Pebble Creek flood?

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

1paid claims since 2024

$21Kpaid to owners

0homes flooded more than once

20242026

Biggest named events

Hurricane Milton: 1 claim, $21K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pebble Creek 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 Pebble Creek

Federal disasters declared here

None of the disasters declared for Hillsborough County shows FEMA aid or repair money reaching Pebble Creek itself in FEMA’s records.

Brought FEMA money into Pebble CreekDeclared for Hillsborough County only

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

Around Pebble Creek

Pebble Creek and the towns around it

Very lowLowModerateHighVery high

Pebble Creekmostly inland floodingHigh

Tampamostly hurricanesHigh

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. Pebble Creek covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Pebble Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Pebble Creek. 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 Pebble Creek total about $4.3M 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.