Photo: DanTD · CC BY-SA 3.0FEMA puts Timber Pines’s expected hazard damage per building above that of 73% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Timber Pines gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #220 of 638 in Florida. Most of that expected damage is hurricanes (50%), then river and rain flooding (44%). Flood insurance has paid 4 claims here since 1993.
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 Timber Pines 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 Timber Pines’ grade
Hurricanes are 50% of the building damage FEMA expects in Timber Pines, and Timber Pines’ rate of hurricanes damage is in the top 8% of U.S. census tracts. Next is river and rain flooding at 44% (lower than 55% of U.S. census tracts).
C #220 of 638 in Florida; higher expected damage per building than 73% of U.S. towns (21,298).
Timber Pines’ 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, Timber Pines has less expected damage per building than 66% of Florida towns.
In dollars, FEMA expects about $1.7M a year in losses across Timber Pines: $1.4M to buildings, the rest to people and crops.
Does Timber Pines flood? Rarely: 4 flood claims since 1993
Every paid claim on a federal flood insurance policy in Timber Pines, from FEMA’s records: 1.1 per 1,000 homes, fewer than 76% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Debby2 claims · $3K
- The Blizzard of 19931 claim · $33K
- Hurricane Milton1 claim · $14K
Timber Pines isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hernando County.The storms Timber Pines remembers
None of the 29 disasters declared for Hernando County shows FEMA aid or repair money reaching Timber Pines itself in FEMA’s records, so these are its biggest flood-claim years.
- 20122 flood claims paidThe year of Tropical Storm Debby, declared for Hernando County
- 19931 flood claims paidThe year of Tornadoes, Flooding, High Winds and Tides, Freezing, declared for Hernando County
- 20241 flood claims paidThe year of Hurricane Milton, declared for Hernando County
Hernando County has had 29 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 Hernando County, 2000–2000.
Old photos of Timber Pines after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Timber Pines archive →Timber Pines and its neighbors
Timber Pines 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 |
|---|---|---|---|
| Timber Pines | Cmore damage than 73% | hurricanes | 4 |
| Spring Hill | C−more damage than 78% | river and rain flooding | 25 |
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 Timber Pines 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 Timber Pines
Is Timber Pines at risk for natural disasters?
On FEMA’s National Risk Index, Timber Pines has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #220 of 638 in Florida. Most of the expected damage is hurricanes (50%) and river and rain flooding (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Timber Pines flood?
Flood insurance has paid 4 claims in Timber Pines since 1993, $49K in all, or 1.1 per 1,000 homes, fewer than 76% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Debby (2).
Is Timber Pines 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 Hernando County, 54% of homes in mapped flood zones carry federal flood insurance, and 4.8% of all homes do.
How much is flood insurance in Timber Pines?
FEMA’s Community Rating System list shows no discount for Timber Pines’ 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 Timber Pines?
By flood claims, Tropical Storm Debby: 2 paid, $3K.
Is Timber Pines at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (50%), and Timber Pines’ rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Timber Pines.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Timber Pines’ 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.