Natural hazards · Zephyrhills North

Zephyrhills North, FL natural hazards

Most of the natural-hazard damage FEMA expects in Zephyrhills North comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Zephyrhills North?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Zephyrhills North to be higher than in 75% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding47%Hurricanes35%Tornadoes14%Everything else4%

By hazard

What Zephyrhills North faces

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

Inland flooding

47% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

35% of expected damage

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

Recorded about once every 4 years in the area

Tornadoes

14% of expected damage

Above average · higher than 69% of U.S. places

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 Zephyrhills North flood?

FEMA's records show no paid flood insurance claims in Zephyrhills North.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Zephyrhills North 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 Zephyrhills North

1 federal disaster brought FEMA money here

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

Brought FEMA money into Zephyrhills NorthDeclared for Pasco County only

2017

Hurricane Irma

1 household applied for aid

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

Around Zephyrhills North

Zephyrhills North and the towns around it

Very lowLowModerateHighVery high

Zephyrhillsmostly inland floodingHigh

Zephyrhills Northmostly 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. Zephyrhills North 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 Zephyrhills North’s own flood-insurance community; household aid to the registrant’s city; repair grants to Zephyrhills North. 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.