More hazard damage per building is expected in Jasmine Estates than in 67% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Jasmine Estates gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #142 of 638 in Florida. Most of that expected damage is hurricanes (49%), then river and rain flooding (45%). Flood insurance has paid 47 claims here since 1980.
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 Jasmine Estates 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
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 Jasmine Estates’ grade
Hurricanes are 49% of the building damage FEMA expects in Jasmine Estates, and Jasmine Estates’ rate of hurricanes damage is in the top 9% of U.S. census tracts. Next is river and rain flooding at 45% (lower than 57% of U.S. census tracts).
C #142 of 638 in Florida; higher expected damage per building than 67% of U.S. towns (21,298).
Jasmine Estates’ residents live in 6 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, Jasmine Estates has less expected damage per building than 78% of Florida towns.
In dollars, FEMA expects about $5.0M a year in losses across Jasmine Estates: $4.0M to buildings, the rest to people and crops.
Does Jasmine Estates flood? Sometimes: 47 flood claims since 1980
Every paid claim on a federal flood insurance policy in Jasmine Estates, from FEMA’s records: 4.6 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Debby11 claims · $644K
- Hurricane Hermine4 claims · $186K
- Hurricane Frances3 claims · $8K
Jasmine Estates 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.1 federal disaster brought FEMA money to Jasmine Estates
Disasters that paid out in Jasmine Estates itself (aid to households or repair grants to Jasmine Estates), newest first, with that year’s flood claims.
- 2017Hurricane Irma8 households applied for aid$500 aid approved
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.
Old photos of Jasmine Estates after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jasmine Estates archive →Jasmine Estates and its neighbors
Jasmine Estates is 2nd of the 4 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 |
|---|---|---|---|
| New Port Richey East | C+more damage than 62% | hurricanes | 62 |
| Jasmine Estates | Cmore damage than 67% | hurricanes | 47 |
| Bayonet Point | Cmore damage than 72% | river and rain flooding | 59 |
| Port Richey | Dmore damage than 89% | coastal flooding | 1,143 |
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 Jasmine Estates 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.
- 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 Jasmine Estates
Is Jasmine Estates at risk for natural disasters?
On FEMA’s National Risk Index, Jasmine Estates has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #142 of 638 in Florida. Most of the expected damage is hurricanes (49%) and river and rain flooding (45%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jasmine Estates flood?
Flood insurance has paid 47 claims in Jasmine Estates since 1980, $1.7M in all, or 4.6 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Debby (11).
Is Jasmine Estates 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 Jasmine Estates?
FEMA’s Community Rating System list shows no discount for Jasmine Estates’ 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 Jasmine Estates?
By FEMA money that reached Jasmine Estates, Hurricane Irma (2017): 8 households applied for aid, $500 approved. By flood claims, Tropical Storm Debby: 11 paid, $644K.
Is Jasmine Estates at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (49%), and Jasmine Estates’ rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jasmine Estates.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jasmine Estates’ 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.