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Natural hazards · Temple Terrace

Temple Terrace, FL natural hazards

Most of the natural-hazard damage FEMA expects in Temple Terrace comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 38 claims here since 1979. 12 federal disasters brought FEMA money into town.

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

How exposed is Temple Terrace?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Temple Terrace to be higher than in 73% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding35%Hurricanes32%Tornadoes17%Cold waves11%Everything else6%
By hazard

What Temple Terrace faces

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

Inland flooding

35% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

32% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

17% of expected damage
Above average · higher than 71% of U.S. places

Cold waves

11% 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 Temple Terrace flood?

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

38paid claims since 1979
$1.4Mpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Hurricane Milton: 7 claims, $924K
  • Hurricane Josephine: 2 claims, $149K
  • Tropical Storm Debby: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Temple Terrace is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Hillsborough County.

What’s been done with FEMA grants

5buildings retrofitted against wind
Disasters that hit Temple Terrace

12 federal disasters brought FEMA money here

Disasters the President declared that paid out in Temple Terrace itself: aid to households, or repair grants to the City of Temple Terrace.

Brought FEMA money into Temple TerraceDeclared for Hillsborough County only
2024

Hurricane Milton

2,157 households applied for aid $843K aid approved $537K to the City of Temple Terrace for repairs
2024

Hurricane Helene

442 households applied for aid $215K aid approved $120K to the City of Temple Terrace for repairs
2024

Hurricane Debby

46 households applied for aid $39K aid approved $107K to the City of Temple Terrace for repairs
2023

Hurricane Idalia

57 households applied for aid $13K aid approved $364K to the City of Temple Terrace for repairs
2022

Hurricane Ian

779 households applied for aid $278K aid approved $606K to the City of Temple Terrace for repairs
2017

Hurricane Irma

1,766 households applied for aid $475K aid approved $919K to the City of Temple Terrace for repairs
2016

Hurricane Hermine

1 household applied for aid
2012

Tropical Storm Debby

6 households applied for aid $2K aid approved
2004

Hurricane Jeanne

24 households applied for aid $13K aid approved $134K to the City of Temple Terrace for repairs
2004

Hurricane Frances

22 households applied for aid $22K aid approved $671K to the City of Temple Terrace for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$36K to the City of Temple Terrace for repairs
1999

Tropical Storm Irene - Florida

$2K to the City of Temple Terrace for repairs
Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Temple Terrace

Temple Terrace and the towns around it

East Lake-Orient Park: High, mostly hurricanesTampa: High, mostly hurricanesThonotosassa: High, mostly hurricanesMango: Moderate, mostly hurricanesBrandon: High, mostly hurricanesLutz: High, mostly hurricanesPalm River-Clair Mel: Moderate, mostly hurricanesTown 'n' Country: High, mostly hurricanesEgypt Lake-Leto: Moderate, mostly hurricanesLake Magdalene: High, mostly hurricanesCarrollwood: High, mostly hurricanesPebble Creek: High, mostly inland floodingUniversity: Moderate, mostly hurricanesTemple Terrace: High, mostly inland flooding Temple TerraceEast Lake-Orient ParkTampa
Very lowLowModerateHighVery high
Temple Terracemostly inland floodingHigh
East Lake-Orient Parkmostly hurricanesHigh
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. Temple Terrace covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Temple Terrace’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Temple Terrace. 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 Temple Terrace total about $11.9M 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/18 · 2025-01-01
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