🌍 ClimateRiskCheck

Natural Disaster Risk in Zephyrhills

Florida

6.3out of 10
High Risk

Risk Summary for Zephyrhills

Zephyrhills scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Tornado

All 18 Hazard Scores

Tornado
9.9
Hurricane
9.9
Coastal Flooding
9.9
Lightning
9.7
Wildfire
9.6
Extreme Heat
9.1
Strong Wind
7.9
Cold Wave
6.7
Tsunami
5.4
Earthquake
5.2
Landslide
5.2
Volcanic Activity
5.1
Avalanche
4.5
Hail
3.9
Drought
2.9
Ice Storm
1.3
Winter Weather
1.2
Riverine Flooding
1.0

How it compares

Zephyrhills
6.3
Florida avg.
5.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Zephyrhills, Florida

Zephyrhills is a city of approximately 24,654 residents in Pasco County, in the Deep South. The area experiences warm temperatures year-round and high humidity, with a June–November hurricane season that defines the risk landscape shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Zephyrhills.

FEMA rates Zephyrhills's composite natural disaster risk at 6.3 out of 10 β€” high risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for hurricane and tornado risk in their preparedness planning.

Zephyrhills's risk score, slightly above the 5.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Pasco County, the highest-scoring are coastal flood, hurricane, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Zephyrhills residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Zephyrhills: Coastal Flooding preparedness

  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.

Local Factors for Zephyrhills

These city-level factors differentiate Zephyrhills from other communities in Pasco County and provide geographic context for its hazard exposure.

Population

24,654

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 28.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.6/10

Coordinates

28.2303Β° N, 82.2207Β° W

Pasco County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Zephyrhills

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Zephyrhills

Other cities in Florida

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.