Natural hazards · Trinity

Trinity, FL natural hazards

Most of the natural-hazard damage FEMA expects in Trinity comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1996. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trinity?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trinity to be higher than in 67% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes40%Tornadoes10%Everything else4%

By hazard

What Trinity faces

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

Inland flooding

45% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

40% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

10% of expected damage

Above average · higher than 60% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce 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 Trinity flood?

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

7paid claims since 1996

$133Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Milton: 2 claims, $83K
Hurricane Josephine: 2 claims, $3K
Hurricane Irma: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Trinity 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.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Trinity

10 federal disasters brought FEMA money here

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

Brought FEMA money into TrinityDeclared for Pasco County only

2024

Hurricane Milton

320 households applied for aid $336K aid approved

2024

Hurricane Helene

78 households applied for aid $57K aid approved

2023

Hurricane Idalia

8 households applied for aid $1K aid approved

2022

Hurricane Ian

28 households applied for aid $7K aid approved

2017

Hurricane Irma

406 households applied for aid $61K aid approved

2016

Hurricane Hermine

2 households applied for aid $4K aid approved

2012

Tropical Storm Debby

45 households applied for aid $191K aid approved

2004

Hurricane Jeanne

13 households applied for aid $2K aid approved

2004

Hurricane Ivan

1 household applied for aid $853 aid approved

2004

Hurricane Frances

4 households applied for aid $3K aid approved

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

Around Trinity

Trinity and the towns around it

Very lowLowModerateHighVery high

East Lakemostly inland floodingHigh

Trinitymostly inland floodingHigh

Keystonemostly inland floodingHigh

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. Trinity covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Trinity’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Trinity. 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 Trinity total about $3.6M 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.