Enter any address in Pasco County, Florida to see its FEMA flood zone
Flooding from various sources, including tropical storms and heavy rainfall, has affected Pasco County over the past 30 years. Recent events include street flooding near New Port Richey in August 2025 and impacts from Hurricane Milton in October 2024, which made landfall as a Category 3 hurricane.
National Flood Insurance Program (NFIP) data shows a significant number of claims in Zone A, with an average payout of $50,814 and an average water depth of 3.1 feet. Zone X also has a notable number of claims, with an average payout of $21,821 and an average water depth of 2.1 feet. Homeowners in Zone A and those in areas designated as Zone X should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
33 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Pasco County, Florida has recorded 79 flood-related events since 1996 according to NOAA's Storm Events Database, including 6 flash floods and 49 river or area floods. The county has received 44 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Tropical Storm Helene | Tropical Storm | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Aug 8, 2025 | 50.00K |
| Flood | Apr 11, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | — |
| Tropical Storm | Aug 4, 2024 | 0.00K |
| Tropical Storm | Aug 30, 2023 | 0.00K (1 deaths) |
| Tropical Storm | Sep 28, 2022 | 0.00K |
| Tropical Storm | Sep 28, 2022 | 25.00K |
| Flood | Jul 26, 2022 | 0.00K |
| Flood | Jul 23, 2022 | 0.00K |
| Tropical Storm | Nov 10, 2022 | 0.00K |
Flood — Aug 8, 2025
Late afternoon and early evening storms associated with a surface trough over the peninsula coupled with a weakness aloft over the state produce a landspout near Seffner in Hillsborough County and street flooding near New Port Richey in Pasco County.
Flood — Apr 11, 2024
A broken line of thunderstorms ahead of a cold front moving across the eastern Gulf of Mexico produce wind damage in Levy, Pinellas and Hillsborough counties, street flooding and a funnel cloud in Pasco County, structural fires due to lightning in Pinellas County, and a severe wind gust in Hillsborough County. Minor coastal flooding was briefly observed in Pinellas County in the wake of the lin...
Tropical Storm — Oct 9, 2024
Hurricane Milton made landfall along the west-central Florida coast near Siesta Key at 7:30 PM EST on October 9th as a major, Category 3 hurricane with maximum sustained winds of 120 mph and a minimum pressure of 954 mb. 2 days prior to landfall on October 7th, Milton reached its peak intensity as a Category 5 hurricane with maximum sustained winds of 180 mph and a minimum pressure of 897 mb, m...
Tropical Storm — Aug 4, 2024
Hurricane Debby made landfall north of the local area along the Big Bend region of Florida near Steinhatchee around 7 AM EST on August 5th as a Category 1 hurricane with maximum sustained winds of 80 mph and a minimum pressure of 979 mb. Despite Debby���s track west of the Florida peninsula, impacts overspread the area from coastal locations spreading inland.|Storm surge affected the imme...
Tropical Storm — Aug 30, 2023
Hurricane Idalia made landfall just to the north of the local area near Keaton Beach, FL in Taylor county in Florida's Big Bend as a category 3 hurricane and brought devastating storm surge and wind impacts all along the west Florida coast, especially in closer vicinity to the landfall area across the Nature Coast. Storm surge flooding reached into homes and businesses as far south as Lee count...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Pasco County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Pasco County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.