Natural hazards · Timber Pines

Timber Pines, FL natural hazards

Most of the natural-hazard damage FEMA expects in Timber Pines comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1993.

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

Expected damage

How exposed is Timber Pines?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Timber Pines to be higher than in 66% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes46%Inland flooding38%Tornadoes11%Everything else5%

By hazard

What Timber Pines faces

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

Hurricanes

46% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

38% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Above average · higher than 60% 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 Timber Pines flood?

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

4paid claims since 1993

$49Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Tropical Storm Debby: 2 claims, $3K
Blizzard of 1993: 1 claim, $33K
Hurricane Milton: 1 claim, $14K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Timber Pines isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hernando County.

Disasters that hit Timber Pines

Federal disasters declared here

None of the disasters declared for Hernando County shows FEMA aid or repair money reaching Timber Pines itself in FEMA’s records.

Brought FEMA money into Timber PinesDeclared for Hernando County only

Hernando County has had 34 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Timber Pines

Timber Pines and the towns around it

Very lowLowModerateHighVery high

Spring Hillmostly hurricanesHigh

Timber Pinesmostly 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. Timber Pines covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Timber Pines’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Timber Pines. 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 Timber Pines total about $1.8M 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.