Photo: Morthanley at English Wikipedia · Public domainMore hazard damage per building is expected in Town 'n' Country than in 68% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Town 'n' Country gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #151 of 638 in Florida. Most of that expected damage is hurricanes (50%), then river and rain flooding (35%). Flood insurance has paid 2,203 claims here since 1979.
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 Town 'n' Country’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Town 'n' Country 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
Coastal flooding
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 Town 'n' Country’s grade
Hurricanes are 50% of the building damage FEMA expects in Town 'n' Country, and Town 'n' Country’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Coastal flooding adds 7%, at a rate in the top 2% of U.S. census tracts.
C #151 of 638 in Florida; higher expected damage per building than 68% of U.S. towns (21,298).
Town 'n' Country’s residents live in 18 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, Town 'n' Country has less expected damage per building than 76% of Florida towns.
In dollars, FEMA expects about $26.1M a year in losses across Town 'n' Country: $18.4M to buildings, the rest to people and crops.
Does Town 'n' Country flood? Yes: 2,203 flood claims since 1979
Every paid claim on a federal flood insurance policy in Town 'n' Country, from FEMA’s records: 61.8 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Helene1,524 claims · $205M
- Hurricane Milton364 claims · $27.2M
- Hurricane Elena57 claims · $367K
Town 'n' Country 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.4 federal disasters brought FEMA money to Town 'n' Country
Disasters that paid out in Town 'n' Country itself (aid to households or repair grants to Town 'n' Country), newest first, with that year’s flood claims.
- 2022Hurricane Ian2 households applied for aid$700 aid approved6 flood claims paid that year
- 2017Hurricane Irma10 households applied for aid$500 aid approved
- 2004Hurricane Jeanne1 households applied for aid$836 aid approved
- 2004Hurricane Frances1 households applied for aid$1K aid approved21 flood claims paid for it, $245K
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 Town 'n' Country after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Town 'n' Country archive →Town 'n' Country and its neighbors
Town 'n' Country is 4th of the 5 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 |
|---|---|---|---|
| Westchase | C+more damage than 59% | hurricanes | 35 |
| Egypt Lake-Leto | C+more damage than 60% | hurricanes | 128 |
| Tampa | Cmore damage than 67% | hurricanes | 7,067 |
| Town 'n' Country | Cmore damage than 68% | hurricanes | 2,203 |
| Citrus Park | Cmore damage than 70% | river and rain flooding | 51 |
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 Town 'n' Country 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Town 'n' Country
Is Town 'n' Country at risk for natural disasters?
On FEMA’s National Risk Index, Town 'n' Country has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #151 of 638 in Florida. Most of the expected damage is hurricanes (50%) and river and rain flooding (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Town 'n' Country flood?
Flood insurance has paid 2,203 claims in Town 'n' Country since 1979, $237M in all, or 61.8 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. The most claims came from Hurricane Helene (1,524).
Is Town 'n' Country 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 Town 'n' Country?
FEMA’s Community Rating System list shows no discount for Town 'n' Country’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 Town 'n' Country?
By FEMA money that reached Town 'n' Country, Hurricane Frances (2004): 1 households applied for aid, $1K approved. By flood claims, Hurricane Helene: 1,524 paid, $205M.
Is Town 'n' Country at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (50%), and Town 'n' Country’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Town 'n' Country.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Town 'n' Country’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.