More hazard damage per building is expected in Quail Ridge than in 71% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Quail Ridge gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #184 of 638 in Florida. Most of that expected damage is hurricanes (45%), then river and rain flooding (44%). FEMA’s files show no paid flood insurance claims here.
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 Quail Ridge 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
Wildfire
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 Quail Ridge’s grade
Hurricanes are 45% of the building damage FEMA expects in Quail Ridge, and Quail Ridge’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 6% of U.S. census tracts.
C #184 of 638 in Florida; higher expected damage per building than 71% of U.S. towns (21,298).
Quail Ridge’s residents live in 3 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, Quail Ridge has less expected damage per building than 71% of Florida towns.
In dollars, FEMA expects about $608K a year in losses across Quail Ridge: $479K to buildings, the rest to people and crops.
Does Quail Ridge flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Quail Ridge. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Quail Ridge 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.The storms Quail Ridge remembers
None of the 33 disasters declared for Pasco County shows FEMA aid or repair money reaching Quail Ridge itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Quail Ridge and its neighbors
Quail Ridge has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Quail Ridge | Cmore damage than 71% | hurricanes | 0 |
| Shady Hills | C−more damage than 79% | river and rain flooding | 14 |
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 Quail Ridge 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Quail Ridge
Is Quail Ridge at risk for natural disasters?
On FEMA’s National Risk Index, Quail Ridge has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #184 of 638 in Florida. Most of the expected damage is hurricanes (45%) and river and rain flooding (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Quail Ridge 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 Quail Ridge?
FEMA’s Community Rating System list shows no discount for Quail Ridge’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Quail Ridge at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (45%), and Quail Ridge’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Quail Ridge.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Quail Ridge’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.