FloodMaps
Map of FEMA flood zones in Pasco CountyTap the map to explore

County · Flood risk

Check any address in Pasco County

Quick facts

Homes on the tax roll

248,775

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jun 2020

First flood map 1981

Flood insurance discount

25% off

Pasco County, Community Rating System Class 5

Most flood claims in one storm

4,109

Hurricane Helene 2024, 3,807 paid

Homes with water, FEMA aid

7,962

Aid registrations reporting water inside, Hurricane Helene 2024

Sinkhole reports

345

7 confirmed by the state

Past storms in Pasco County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Pasco County
StormClaimsPaidAid, water inside
Hurricane Hermine 2016427338523
Hurricane Irma 2017187111791
Tropical Storm Eta 2020179–
Hurricane Ian 202211227
Hurricane Idalia 20237837211,541
Hurricane Debby 20244314–
Hurricane Helene 20244,1093,8077,962
Hurricane Milton 20245643791,987

Frequently asked questions

Do I need flood insurance in Pasco County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Pasco County took effect on June 5, 2020. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Pasco County last updated?

The flood map in effect for Pasco County took effect on June 5, 2020. The county's first flood map dates to November 18, 1981.

Is there a flood insurance discount in Pasco County?

Pasco County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Pasco County the most?

By National Flood Insurance Program claims across Pasco County, the worst recent storms were Hurricane Helene 2024 (4,109 claims, 3,807 paid), Hurricane Idalia 2023 (783 claims, 721 paid), and Hurricane Milton 2024 (564 claims, 379 paid). After Hurricane Helene 2024, 7,962 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Pasco County?

The Florida Geological Survey has 345 subsidence reports on file for Pasco County, 7 of them confirmed as true sinkholes. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Pasco County lies north of Tampa, with New Port Richey and Hudson on the Gulf and Dade City inland.

Pasco County has about 249,000 homes on the state tax roll. The FEMA flood map in effect for Pasco County took effect on June 5, 2020; the county's first flood map dates to 1981. The storm that left the most flood insurance claims in the county was Hurricane Helene 2024, with 4,109, followed by Hurricane Idalia 2023 with 783. Pasco County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Tampa Bay area are Hurricane Hermine 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Pasco County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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