On FEMA’s figures, Carrollwood faces more hazard damage per building than 70% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Carrollwood gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #176 of 638 in Florida. Most of that expected damage is hurricanes (49%), then river and rain flooding (43%). Flood insurance has paid 90 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Carrollwood faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Carrollwood’s grade
Hurricanes are 49% of the building damage FEMA expects in Carrollwood, and Carrollwood’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Next is river and rain flooding at 43% (lower than 60% of U.S. census tracts).
C #176 of 638 in Florida; higher expected damage per building than 70% of U.S. towns (21,298).
Carrollwood’s residents live in 9 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Carrollwood has less expected damage per building than 73% of Florida towns.
In dollars, FEMA expects about $11.1M a year in losses across Carrollwood: $7.8M to buildings, the rest to people and crops.
Does Carrollwood flood? Sometimes: 90 flood claims since 1979
Every paid claim on a federal flood insurance policy in Carrollwood, from FEMA’s records: 6.0 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton34 claims · $3.9M
- Hurricane Irma3 claims · $25K
- Hurricane Elena3 claims · $14K
Carrollwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsborough County.2 federal disasters brought FEMA money to Carrollwood
Disasters that paid out in Carrollwood itself (aid to households or repair grants to Carrollwood), newest first, with that year’s flood claims.
- 2024Hurricane Milton17 households applied for aid$2K aid approved34 flood claims paid for it, $3.9M
- 2022Hurricane Ian6 households applied for aid$2K aid approved1 flood claim paid that year
Hillsborough County has had 34 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Hillsborough County, 1999–2001.
Old photos of Carrollwood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carrollwood archive →Carrollwood and its neighbors
Carrollwood is 5th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Egypt Lake-Leto | C+more damage than 60% | hurricanes | 128 |
| Lake Magdalene | Cmore damage than 66% | hurricanes | 134 |
| Tampa | Cmore damage than 67% | hurricanes | 7,067 |
| Northdale | Cmore damage than 68% | hurricanes | 165 |
| Carrollwood | Cmore damage than 70% | hurricanes | 90 |
| Citrus Park | Cmore damage than 70% | river and rain flooding | 51 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Carrollwood faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Carrollwood
Is Carrollwood at risk for natural disasters?
On FEMA’s National Risk Index, Carrollwood has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #176 of 638 in Florida. Most of the expected damage is hurricanes (49%) and river and rain flooding (43%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Carrollwood flood?
Flood insurance has paid 90 claims in Carrollwood since 1979, $4.4M in all, or 6.0 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (34).
Is Carrollwood in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Hillsborough County, 61% of homes in mapped flood zones carry federal flood insurance, and 12.1% of all homes do.
How much is flood insurance in Carrollwood?
FEMA’s Community Rating System list shows no discount for Carrollwood’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Carrollwood?
By FEMA money that reached Carrollwood, Hurricane Milton (2024): 17 households applied for aid, $2K approved. By flood claims, Hurricane Milton: 34 paid, $3.9M.
Is Carrollwood at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (49%), and Carrollwood’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Carrollwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carrollwood’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.