Property Atlas

County hazard profile

Pasco, FL

Florida · pop. 561,566 · FIPS 12101

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$199M
modeled expected annual loss/yr

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

near the national middle (62nd percentile)

national median $15M/yr Pasco $199M

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 95.96/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 39.66/100
national median ~50 near the national middle (40th percentile)
Community resilienceVery Low 10.43/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pasco

The National Flood Insurance Program has paid 14,537 flood-insurance claims totaling $691.7M in Pasco since 1978. The costliest year was 2024 ($502.2M paid).

Flood-insurance dollars paid by year of loss

1978: $3,827 paid 1979: $113,349 paid 1980: $612 paid 1981: $12,322 paid 1982: $112,025 paid 1983: $36,982 paid 1984: $8,098 paid 1985: $1,769,442 paid 1986: $38,082 paid 1987: $98,997 paid 1988: $519,070 paid 1989: $6,700 paid 1990: $2,195 paid 1991: $29,041 paid 1992: $71,913 paid 1993: $72,783,929 paid 1994: $24,400 paid 1995: $2,647,078 paid 1996: $11,722,088 paid 1997: $377,761 paid 1998: $805,540 paid 1999: $3,448,616 paid 2000: $29,269 paid 2001: $68,583 paid 2002: $298,928 paid 2003: $984,717 paid 2004: $5,160,959 paid 2005: $92,964 paid 2006: $40,138 paid 2007: $64,100 paid 2008: $384,013 paid 2009: $305,809 paid 2010: $232,871 paid 2011: $80,501 paid 2012: $12,256,915 paid 2013: $56,755 paid 2014: $29,864 paid 2015: $5,428,564 paid 2016: $11,524,986 paid 2017: $3,534,062 paid 2018: $170,788 paid 2019: $105,118 paid 2020: $69,917 paid 2021: $152,124 paid 2022: $243,022 paid 2023: $53,587,803 paid 2024: $502,189,286 paid 2025: $0 paid 2026: $0 paid 2024 · $502.2M 1978 2026
$691.7M
total paid
$47,584
average claim
$1.3M
largest single claim
92%
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 Pasco, FL and where it ranks among U.S. counties. It is not a verdict on whether Pasco 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.