Property Atlas

County hazard profile

Hillsborough, FL

Florida · pop. 1,458,282 · FIPS 12057

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$495M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Hillsborough $495M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 98.82/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 36.39/100
national median ~50 lower than most counties (36th percentile)
Community resilienceRelatively Low 33.24/100
national median ~50 lower than most counties (33rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hillsborough

The National Flood Insurance Program has paid 18,548 flood-insurance claims totaling $1.18B in Hillsborough since 1978. The costliest year was 2024 ($1.07B paid).

Flood-insurance dollars paid by year of loss

1978: $37,109 paid 1979: $725,277 paid 1980: $2,316 paid 1981: $34,522 paid 1982: $1,285,042 paid 1983: $17,700 paid 1984: $4,131 paid 1985: $12,778,251 paid 1986: $5,325 paid 1987: $42,307 paid 1988: $1,747,993 paid 1989: $53,218 paid 1990: $0 paid 1991: $30,727 paid 1992: $26,912 paid 1993: $3,653,671 paid 1994: $132,911 paid 1995: $278,950 paid 1996: $11,401,028 paid 1997: $1,830,210 paid 1998: $523,955 paid 1999: $33,430 paid 2000: $404,104 paid 2001: $1,171,470 paid 2002: $750,607 paid 2003: $547,614 paid 2004: $12,314,196 paid 2005: $141,745 paid 2006: $795,684 paid 2007: $124,041 paid 2008: $112,307 paid 2009: $389,844 paid 2010: $40,915 paid 2011: $388,116 paid 2012: $1,613,192 paid 2013: $142,740 paid 2014: $802,653 paid 2015: $12,728,730 paid 2016: $605,110 paid 2017: $6,185,100 paid 2018: $219,591 paid 2019: $137,734 paid 2020: $7,167,635 paid 2021: $542,562 paid 2022: $431,190 paid 2023: $20,991,221 paid 2024: $1,074,290,567 paid 2025: $480,648 paid 2026: $0 paid 2024 · $1.07B 1978 2026
$1.18B
total paid
$63,520
average claim
$2.6M
largest single claim
86%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Hillsborough, FL and where it ranks among U.S. counties. It is not a verdict on whether Hillsborough is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.