Photo: United States Census Bureau · Public domainOn FEMA’s figures, Egypt Lake-Leto faces about as much hazard damage per building as the typical U.S. town, mostly from hurricanes
On FEMA’s National Risk Index, Egypt Lake-Leto gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #85 of 638 in Florida. Most of that expected damage is hurricanes (56%), then river and rain flooding (34%). Flood insurance has paid 128 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 stands out about Egypt Lake-Leto’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Egypt Lake-Leto 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 Egypt Lake-Leto’s grade
Hurricanes are 56% of the building damage FEMA expects in Egypt Lake-Leto, and Egypt Lake-Leto’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Next is river and rain flooding at 34% (lower than 83% of U.S. census tracts).
C+ #85 of 638 in Florida; higher expected damage per building than 60% of U.S. towns (21,298).
Egypt Lake-Leto’s residents live in 10 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, Egypt Lake-Leto has less expected damage per building than 87% of Florida towns.
In dollars, FEMA expects about $9.2M a year in losses across Egypt Lake-Leto: $5.6M to buildings, the rest to people and crops.
Does Egypt Lake-Leto flood? Yes: 128 flood claims since 1979
Every paid claim on a federal flood insurance policy in Egypt Lake-Leto, from FEMA’s records: 8.4 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton102 claims · $7.9M
- Hurricane Irma2 claims · $23K
- Hurricane Debby1 claim · $5K
Egypt Lake-Leto 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.The storms Egypt Lake-Leto remembers
None of the 34 disasters declared for Hillsborough County shows FEMA aid or repair money reaching Egypt Lake-Leto itself in FEMA’s records, so these are its biggest flood-claim years.
- 2024104 flood claims paidThe year of Hurricane Milton, declared for Hillsborough County
- 19799 flood claims paidThe year of Severe Storms and Flooding, declared for Hillsborough County
- 20155 flood claims paidNo declaration for the county 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 Egypt Lake-Leto after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Egypt Lake-Leto archive →Egypt Lake-Leto and its neighbors
Egypt Lake-Leto has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Egypt Lake-Leto | C+more damage than 60% | hurricanes | 128 |
| Tampa | Cmore damage than 67% | hurricanes | 7,067 |
| Town 'n' Country | Cmore damage than 68% | hurricanes | 2,203 |
| Carrollwood | Cmore damage than 70% | hurricanes | 90 |
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 Egypt Lake-Leto 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 Egypt Lake-Leto
Is Egypt Lake-Leto at risk for natural disasters?
On FEMA’s National Risk Index, Egypt Lake-Leto has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #85 of 638 in Florida. Most of the expected damage is hurricanes (56%) and river and rain flooding (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Egypt Lake-Leto flood?
Flood insurance has paid 128 claims in Egypt Lake-Leto since 1979, $8.1M in all, or 8.4 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (102).
Is Egypt Lake-Leto 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 Egypt Lake-Leto?
FEMA’s Community Rating System list shows no discount for Egypt Lake-Leto’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 Egypt Lake-Leto?
By flood claims, Hurricane Milton: 102 paid, $7.9M.
Is Egypt Lake-Leto at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (56%), and Egypt Lake-Leto’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Egypt Lake-Leto.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Egypt Lake-Leto’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.