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Natural hazards · Sun City Center

Sun City Center, FL natural hazards

Most of the natural-hazard damage FEMA expects in Sun City Center comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 2001. 9 federal disasters brought FEMA money into town.

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

How exposed is Sun City Center?

77
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sun City Center to be higher than in 77% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding48%Hurricanes28%Tornadoes12%Cold waves8%Everything else5%
By hazard

What Sun City Center faces

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

Inland flooding

48% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

28% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

12% of expected damage
Above average · higher than 68% of U.S. places

Cold waves

8% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 4 times a year in the area

Lower here

Coastal floodingHailHeat 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 Sun City Center flood?

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

12paid claims since 2001
$97Kpaid to owners
0homes flooded more than once
20012026

Biggest named events

  • Hurricane Milton: 3 claims, $31K
  • Torrential rain: 2 claims, $13K
  • Hurricane Eta: 1 claim, $1K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Sun City Center 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 Sun City Center

9 federal disasters brought FEMA money here

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

Brought FEMA money into Sun City CenterDeclared for Hillsborough County only
2024

Hurricane Milton

4,308 households applied for aid $851K aid approved
2024

Hurricane Helene

518 households applied for aid $171K aid approved
2024

Hurricane Debby

66 households applied for aid $37K aid approved
2023

Hurricane Idalia

64 households applied for aid $11K aid approved
2022

Hurricane Ian

1,059 households applied for aid $332K aid approved
2017

Hurricane Irma

213 households applied for aid $45K aid approved
2012

Tropical Storm Debby

4 households applied for aid
2004

Hurricane Jeanne

45 households applied for aid $10K aid approved
2004

Hurricane Frances

9 households applied for aid $3K aid approved
Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Sun City Center

Sun City Center and the towns around it

Ruskin: Moderate, mostly hurricanesWimauma: High, mostly hurricanesApollo Beach: Moderate, mostly hurricanesBalm: High, mostly hurricanesGibsonton: High, mostly inland floodingRiverview: High, mostly inland floodingSun City Center: High, mostly inland flooding Sun City CenterRuskinWimaumaApollo BeachBalm
Very lowLowModerateHighVery high
Sun City Centermostly inland floodingHigh
Wimaumamostly hurricanesHigh
Balmmostly hurricanesHigh
Ruskinmostly hurricanesModerate
Apollo Beachmostly 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. Sun City Center covers 7 census tracts, combined by population.
Money that reached townFlood claims are matched to Sun City Center’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Sun City Center. 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 Sun City Center total about $9.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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