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Natural hazards · St. Leo

St. Leo, FL natural hazards

Most of the natural-hazard damage FEMA expects in St. Leo comes from hurricanes, and overall the risk is moderate for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is St. Leo?

54
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Leo to be higher than in 54% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes50%Inland flooding27%Tornadoes15%Everything else8%
By hazard

What St. Leo faces

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

Hurricanes

50% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

27% of expected damage
Well below average · higher than 14% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

15% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once every 60 years in the area

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 St. Leo flood?

FEMA's records show no paid flood insurance claims in St. Leo.

of homes in flood zones
are insured
of all homes
are insured
No community discount. St. Leo 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 St. Leo

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in St. Leo itself: aid to households, or repair grants to the Town of St. Leo.

Brought FEMA money into St. LeoDeclared for Pasco County only
2024

Hurricane Milton

8 households applied for aid $14K to the Town of St. Leo for repairs
2024

Hurricane Helene

1 household applied for aid $1K aid approved
2022

Hurricane Ian

2 households applied for aid $700 aid approved
2017

Hurricane Irma

5 households applied for aid $9K to the Town of St. Leo for repairs
2004

Hurricane Jeanne

1 household applied for aid $3K aid approved $2K to the Town of St. Leo for repairs
2004

Hurricane Frances

1 household applied for aid
2004

Tropical Storm Bonnie and Hurricane Charley

1 household applied for aid $937 aid approved
Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.
Around St. Leo

St. Leo and the towns around it

Pasadena Hills: High, mostly inland floodingSan Antonio: Moderate, mostly hurricanesZephyrhills: High, mostly inland floodingDade City: High, mostly hurricanesWesley Chapel: High, mostly inland floodingSt. Leo: Moderate, mostly hurricanes St. LeoPasadena HillsSan Antonio
Very lowLowModerateHighVery high
Pasadena Hillsmostly inland floodingHigh
St. Leomostly hurricanesModerate
San Antoniomostly 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. St. Leo is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to St. Leo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Leo. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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