FEMA expects more hazard damage per building in Pebble Creek than in 78% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Pebble Creek gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #292 of 638 in Florida. Most of that expected damage is river and rain flooding (50%), then hurricanes (42%). Flood insurance has paid 1 claim here since 2024.
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 Pebble Creek faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
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 Pebble Creek’s grade
River and rain flooding is 50% of the building damage FEMA expects in Pebble Creek, and Pebble Creek’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Hurricanes add 42%, at a rate in the top 9% of U.S. census tracts.
C− #292 of 638 in Florida; higher expected damage per building than 78% of U.S. towns (21,298).
Pebble Creek’s residents live in 2 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, Pebble Creek has less expected damage per building than 54% of Florida towns.
In dollars, FEMA expects about $3.6M a year in losses across Pebble Creek: $2.6M to buildings, the rest to people and crops.
Does Pebble Creek flood? Rarely: 1 flood claim since 2024
Every paid claim on a federal flood insurance policy in Pebble Creek, from FEMA’s records: 0.3 per 1,000 homes, fewer than 95% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton1 claim · $21K
Pebble Creek 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 Pebble Creek remembers
None of the 34 disasters declared for Hillsborough County shows FEMA aid or repair money reaching Pebble Creek itself in FEMA’s records, so these are its biggest flood-claim years.
- 20241 flood claims paidThe year of Hurricane Milton, declared for Hillsborough County
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 Pebble Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pebble Creek archive →Pebble Creek and its neighbors
Pebble Creek is 2nd of the 2 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 |
|---|---|---|---|
| Tampa | Cmore damage than 67% | hurricanes | 7,067 |
| Pebble Creek | C−more damage than 78% | river and rain flooding | 1 |
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 Pebble Creek faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Pebble Creek
Is Pebble Creek at risk for natural disasters?
On FEMA’s National Risk Index, Pebble Creek has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #292 of 638 in Florida. Most of the expected damage is river and rain flooding (50%) and hurricanes (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pebble Creek flood?
Flood insurance has paid 1 claim in Pebble Creek since 2024, $21K in all, or 0.3 per 1,000 homes, fewer than 95% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (1).
Is Pebble Creek 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 Pebble Creek?
FEMA’s Community Rating System list shows no discount for Pebble Creek’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 Pebble Creek?
By flood claims, Hurricane Milton: 1 paid, $21K.
Is Pebble Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Pebble Creek’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pebble Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pebble Creek’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.