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CHazard risk
Natural hazards in Connerton · FEMA

FEMA expects more hazard damage per building in Connerton than in 67% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Connerton gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #143 of 638 in Florida. Most of that expected damage is hurricanes (51%), then river and rain flooding (39%). Flood insurance has paid 9 claims here since 1998.

Hurricanes 51%River and rain flooding 39%Tornadoes 6%

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

more than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#143 of 638 in Florida
Hazard risk
C#143 of 638
in Florida · higher than 67% of U.S. towns
Main hazard
Hurricanes
51% of expected building damage
Flood claims
9
paid since 1998 · $442K
Flood claims per home
5 per 1,000
more than 60% of U.S. towns
By hazard

What Connerton faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

51%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

39%of expected building damage
Below average · lower than 70% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

6%of expected building damage
Above average · higher than 69% of U.S. census tracts
Smaller shares here
 Wildfire Strong wind Earthquakes Cold waves top 5% Lightning Hail Heat waves Landslides
FEMA models no building damage here
Coastal floodingWinter stormsIce stormsAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 20% of Connerton’s expected losses. Tornadoes do little damage to buildings (6.3%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Connerton’s grade

Hurricanes are 51% of the building damage FEMA expects in Connerton, and Connerton’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Wildfire adds 3%, at a rate in the top 9% of U.S. census tracts.

Where Connerton sits
Connerton
Least damageMiddleMost damage

C #143 of 638 in Florida; higher expected damage per building than 67% of U.S. towns (21,298).

All of Connerton’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hurricanes51%River and rain flooding39%Tornadoes6%Everything else4%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Connerton has less expected damage per building than 78% of Florida towns.

In dollars, FEMA expects about $1.4M a year in losses across Connerton: $1.1M to buildings, the rest to people and crops.

Shared tract.All of Connerton’s 5,282 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Connerton flood? Rarely: 9 flood claims since 1998

Every paid claim on a federal flood insurance policy in Connerton, from FEMA’s records: 4.9 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 6 claims2025: 0 claims2026: 0 claims199820042024
19982026
Biggest named events
  • Hurricane Milton5 claims · $341K
  • Hurricane Frances1 claim · $6K
  • Hurricane Helene1 claim · $48K
9
paid claims since 1998
$442K
paid to owners
0
homes flooded more than once
$49K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Connerton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pasco County.
Disasters

The storms Connerton remembers

None of the 33 disasters declared for Pasco County shows FEMA aid or repair money reaching Connerton itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20246 flood claims paidThe year of Hurricane Milton, declared for Pasco County
  2. 19981 flood claims paidThe year of Hurricane Grorges, declared for Pasco County
  3. 20041 flood claims paidThe year of Hurricane Jeanne, declared for Pasco County
Disasters declared, by decade
Paid out in ConnertonPasco County only

Pasco County has had 33 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Pasco County, 2000–2000.

Were you here?

Old photos of Connerton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Connerton archive →
Be ready

Get ready for what Connerton faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • 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.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Connerton

Is Connerton at risk for natural disasters?

On FEMA’s National Risk Index, Connerton has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #143 of 638 in Florida. Most of the expected damage is hurricanes (51%) and river and rain flooding (39%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Connerton flood?

Flood insurance has paid 9 claims in Connerton since 1998, $442K in all, or 4.9 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (5).

Is Connerton 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 Pasco County, 47% of homes in mapped flood zones carry federal flood insurance, and 10.3% of all homes do.

How much is flood insurance in Connerton?

FEMA’s Community Rating System list shows no discount for Connerton’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 Connerton?

By flood claims, Hurricane Milton: 5 paid, $341K.

Is Connerton at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (51%), and Connerton’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Connerton.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Connerton’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.