Zephyrhills, FL natural hazards
Most of the natural-hazard damage FEMA expects in Zephyrhills comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 38 claims here since 1979. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Zephyrhills?
FEMA expects yearly storm and flood damage to homes and buildings in Zephyrhills to be higher than in 79% of U.S. communities, mostly from inland flooding and hurricanes.
What Zephyrhills faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Hurricanes
Tornadoes
Lower here
Not a risk here
Does Zephyrhills flood?
Every paid claim on a federal flood insurance policy in Zephyrhills, from FEMA’s records.
Biggest named events
- Hurricane Milton: 30 claims, $3.9M
- Hurricane Frances: 3 claims, $74K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Zephyrhills itself: aid to households, or repair grants to the City of Zephyrhills.
Hurricane Milton
Hurricane Helene
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Zephyrhills and the towns around it
How to read this page
FEMA’s expected losses across Zephyrhills total about $4.9M 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.