Tampa, FL real-estate risk
Tampa, FL (Hillsborough County) carries a FEMA National Risk Index score of 98.8/100 — rated "Relatively High" — driven mainly by tornado and hurricane, with roughly $495M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$495M/yr
all natural hazards, county-wide
Buildings-only loss
$343M/yr
the part that hits owners + insurers
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 — FAQ
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.
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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.
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