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CHazard risk
Natural hazards in Trinity · FEMA

FEMA expects more hazard damage per building in Trinity than in 72% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Trinity gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #211 of 638 in Florida. Most of that expected damage is river and rain flooding (50%), then hurricanes (44%). Flood insurance has paid 7 claims here since 1996.

River and rain flooding 50%Hurricanes 44%Tornadoes 4%

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

more than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#211 of 638 in Florida
Hazard risk
C#211 of 638
in Florida · higher than 72% of U.S. towns
Main hazard
River and rain flooding
50% of expected building damage
Flood claims
7
paid since 1996 · $133K
Disasters paid out here
10
of 33 declared for Pasco County
By hazard

What Trinity 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

50%of expected building damage
About average · higher than 53% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

44%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 4 years in the area
Smaller shares here
 Tornadoes Wildfire Strong wind Coastal flooding Earthquakes Cold waves Lightning Hail Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Trinity’s grade

River and rain flooding is 50% of the building damage FEMA expects in Trinity, and Trinity’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Hurricanes add 44%, at a rate in the top 9% of U.S. census tracts.

Where Trinity sits
Trinity
Least damageMiddleMost damage

C #211 of 638 in Florida; higher expected damage per building than 72% of U.S. towns (21,298).

Trinity’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding50%Hurricanes44%Tornadoes4%Everything else2%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Trinity has less expected damage per building than 67% of Florida towns.

In dollars, FEMA expects about $4.6M a year in losses across Trinity: $4.0M to buildings, the rest to people and crops.

A small-area figure. Trinity covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Trinity flood? Rarely: 7 flood claims since 1996

Every paid claim on a federal flood insurance policy in Trinity, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 2 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 1 claim2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 3 claims2025: 0 claims2026: 0 claims199620152024
19962026
Biggest named events
  • Hurricane Milton2 claims · $83K
  • Hurricane Josephine2 claims · $3K
  • Hurricane Irma1 claim · $8K
7
paid claims since 1996
$133K
paid to owners
0
homes flooded more than once
$19K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Trinity 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.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

10 federal disasters brought FEMA money to Trinity

Disasters that paid out in Trinity itself (aid to households or repair grants to Trinity), newest first, with that year’s flood claims.

  1. 2024Hurricane Milton320 households applied for aid$336K aid approved2 flood claims paid for it, $83K
  2. 2024Hurricane Helene78 households applied for aid$57K aid approved
  3. 2023Hurricane Idalia8 households applied for aid$1K aid approved
  4. 2022Hurricane Ian28 households applied for aid$7K aid approved
  5. 2017Hurricane Irma406 households applied for aid$61K aid approved1 flood claim paid for it, $8K
  6. 2016Hurricane Hermine2 households applied for aid$4K aid approved
Show all 10
  1. 2012Tropical Storm Debby45 households applied for aid$191K aid approved
  2. 2004Hurricane Jeanne13 households applied for aid$2K aid approved
  3. 2004Hurricane Ivan1 households applied for aid$853 aid approved
  4. 2004Hurricane Frances4 households applied for aid$3K aid approved
Disasters declared, by decade
Paid out in TrinityPasco County only

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.

Were you here?

Old photos of Trinity after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Trinity archive →
Next door

Trinity and its neighbors

Trinity has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

Keystone: hazard risk CEast Lake: hazard risk C−KeystoneEast LakeTrinity
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
TrinityCmore damage than 72%river and rain flooding7
KeystoneCmore damage than 72%river and rain flooding58
East LakeC−more damage than 79%river and rain flooding52

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.

Be ready

Get ready for what Trinity faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Trinity

Is Trinity at risk for natural disasters?

On FEMA’s National Risk Index, Trinity has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #211 of 638 in Florida. Most of the expected damage is river and rain flooding (50%) and hurricanes (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Trinity flood?

Flood insurance has paid 7 claims in Trinity since 1996, $133K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (2).

Is Trinity 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 Trinity?

FEMA’s Community Rating System list shows no discount for Trinity’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 Trinity?

By FEMA money that reached Trinity, Hurricane Milton (2024): 320 households applied for aid, $336K approved. By flood claims, Hurricane Milton: 2 paid, $83K.

Is Trinity at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (50%), and Trinity’s rate for it is higher than 53% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Trinity.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Trinity’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.