Natural hazards · Shady Hills

Shady Hills, FL natural hazards

Most of the natural-hazard damage FEMA expects in Shady Hills comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 14 claims here since 1982. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shady Hills?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shady Hills to be higher than in 70% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding40%Hurricanes40%Tornadoes13%Everything else7%

By hazard

What Shady Hills faces

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

Inland flooding

40% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

40% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

13% of expected damage

Above average · higher than 59% 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 Shady Hills flood?

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

14paid claims since 1982

$112Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Blizzard of 1993: 4 claims, $31K
The 'No-Name Storm': 1 claim, $730
Hurricane Jeanne: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Shady Hills 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 Shady Hills

6 federal disasters brought FEMA money here

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

Brought FEMA money into Shady HillsDeclared for Pasco County only

2024

Hurricane Milton

12 households applied for aid $16K aid approved

2024

Hurricane Helene

4 households applied for aid

2023

Hurricane Idalia

1 household applied for aid $1K aid approved

2017

Hurricane Irma

17 households applied for aid $2K aid approved

2016

Hurricane Hermine

1 household applied for aid $3K aid approved

2004

Tropical Storm Bonnie and Hurricane Charley

2 households applied for aid $7K aid approved

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

Around Shady Hills

Shady Hills and the towns around it

Very lowLowModerateHighVery high

Spring Hillmostly hurricanesHigh

Shady Hillsmostly inland floodingHigh

Quail Ridgemostly 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. Shady Hills covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Shady Hills’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Shady Hills. 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 Shady Hills total about $3.4M 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.