Carrollwood, Florida: natural disaster risk
How exposed Carrollwood is to floods, storms and other hazards, from FEMA and NOAA records for Hillsborough County.
Carrollwood is a community of 36,725 people in Hillsborough County, Florida. FEMA's National Risk Index rates Hillsborough County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are hurricane, inland flooding and tornado, with about $495 million in expected losses a year across the county. The weather service has logged 1,165 storm reports in the county since 1951, including 149 tornadoes and 85 floods. NOAA hurricane records show 26 hurricanes and 35 tropical storms passing within 65 miles of the county's center, 5 of them major. About 12.1% of homes in the county carry federal flood insurance.
Risk figures are for Hillsborough County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Carrollwood
Full Hillsborough County report ›- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Hurricane | $178M | |
| Inland flooding | $146M | |
| Tornado | $77M | |
| Cold wave | $54M | |
| Heat wave | $9M | |
| Lightning | $8M | |
| Coastal flooding | $8M | |
| Hail | $6M | |
| Wildfire | $4M | |
| Strong wind | $1M | |
| Drought | $1M | |
| Earthquake | $735K |
Homes in Carrollwood
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Hillsborough County
More cities in Hillsborough County
Common questions about Carrollwood
Is Carrollwood safe from natural disasters?
Carrollwood is in Hillsborough County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are hurricane, inland flooding, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Carrollwood?
By expected yearly losses in Hillsborough County, the top hazards are hurricane (Very High), inland flooding (High), tornado (Very High). Hillsborough County has been part of 45 federal disaster or emergency declarations for natural events.
Does Carrollwood get tornadoes?
Yes. NOAA records list 149 tornadoes in Hillsborough County since 1950; the strongest was an F2 tornado on December 7, 1996 near Tampa. FEMA rates tornado risk in the county very high.
Do I need flood insurance in Carrollwood?
Standard home insurance does not cover floods. In Hillsborough County, about 12.1% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.