Risk Index · Hillsborough County · 2026-06-13
Tampa, FL real-estate risk
- Risk score
- 98.8/100
- Relatively High
- Expected annual loss
- $495M
- all hazards, county-wide
- Buildings-only loss
- $343M
- what owners and insurers carry
- Population
- 1.5M
- Hillsborough County
Tampa, FL (Hillsborough County) carries a FEMA National Risk Index score of 98.8/100, rated "Relatively High" and driven mainly by tornado and hurricane, with roughly $495M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.7
- Hurricane99.3
- Riverine flood97.8
- Hail97.8
- Heat wave97
- Wildfire95.7
- Coastal flood92.4
- Drought83
- Strong wind82.1
- Earthquake68.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Tampa risk questions
Is Tampa, FL a high-risk area for real estate?
Tampa scores 98.8/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $495M per year.
What is the biggest natural hazard in Tampa?
The highest-rated hazard is tornado (99.7/100), followed by hurricane (99.3/100).
How does hazard risk affect property insurance in Tampa?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.