FEMA puts Progress Village’s expected hazard damage per building above that of 71% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Progress Village gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #194 of 638 in Florida. Most of that expected damage is river and rain flooding (49%), then hurricanes (41%). Flood insurance has paid 128 claims here since 1982.
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 Progress Village’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Progress Village 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 Progress Village’s grade
River and rain flooding is 49% of the building damage FEMA expects in Progress Village, and Progress Village’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Hurricanes add 41%, at a rate in the top 10% of U.S. census tracts.
C #194 of 638 in Florida; higher expected damage per building than 71% of U.S. towns (21,298).
All of Progress Village’s residents live in one census tract; the figures are that tract’s.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Progress Village has less expected damage per building than 70% of Florida towns.
In dollars, FEMA expects about $3.0M a year in losses across Progress Village: $2.0M to buildings, the rest to people and crops.
Does Progress Village flood? Yes: 128 flood claims since 1982
Every paid claim on a federal flood insurance policy in Progress Village, from FEMA’s records: 27.6 per 1,000 homes, more than 88% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Helene23 claims · $3.0M
- Hurricane Josephine18 claims · $416K
- The Blizzard of 199317 claims · $373K
Progress Village 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.1 federal disaster brought FEMA money to Progress Village
Disasters that paid out in Progress Village itself (aid to households or repair grants to Progress Village), newest first, with that year’s flood claims.
- 2022Hurricane Ian2 households applied for aid$2K aid approved2 flood claims 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 Progress Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Progress Village archive →Progress Village and its neighbors
Progress Village 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 |
|---|---|---|---|
| Palm River-Clair Mel | C+more damage than 65% | hurricanes | 257 |
| Progress Village | Cmore damage than 71% | river and rain flooding | 128 |
| Gibsonton | Cmore damage than 72% | hurricanes | 253 |
| Riverview | Cmore damage than 75% | river and rain flooding | 233 |
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 Progress Village 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 Progress Village
Is Progress Village at risk for natural disasters?
On FEMA’s National Risk Index, Progress Village has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #194 of 638 in Florida. Most of the expected damage is river and rain flooding (49%) and hurricanes (41%). 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 Progress Village flood?
Flood insurance has paid 128 claims in Progress Village since 1982, $6.4M in all, or 27.6 per 1,000 homes, more than 88% of U.S. towns with a flood insurance record. The most claims came from Hurricane Helene (23).
Is Progress Village 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 Progress Village?
FEMA’s Community Rating System list shows no discount for Progress Village’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 Progress Village?
By FEMA money that reached Progress Village, Hurricane Ian (2022): 2 households applied for aid, $2K approved. By flood claims, Hurricane Helene: 23 paid, $3.0M.
Is Progress Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (49%), and Progress Village’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Progress Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Progress Village’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.