Land O' Lakes, Florida: natural disaster risk
How exposed Land O' Lakes is to floods, storms and other hazards, from FEMA and NOAA records for Pasco County.
Land O' Lakes is a community of 38,910 people in Pasco County, Florida. FEMA's National Risk Index rates Pasco 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 $199 million in expected losses a year across the county. The weather service has logged 570 storm reports in the county since 1956, including 98 tornadoes and 55 floods. NOAA hurricane records show 28 hurricanes and 39 tropical storms passing within 65 miles of the county's center, 5 of them major. About 10.3% of homes in the county carry federal flood insurance.
Risk figures are for Pasco County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Land O' Lakes
Full Pasco 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 | $78M | |
| Inland flooding | $76M | |
| Tornado | $28M | |
| Coastal flooding | $6M | |
| Wildfire | $4M | |
| Heat wave | $3M | |
| Lightning | $2M | |
| Cold wave | $1M | |
| Strong wind | $1M | |
| Earthquake | $203K | |
| Hail | $116K | |
| Drought | $3K |
Homes in Land O' Lakes
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 Pasco County
More cities in Pasco County
Common questions about Land O' Lakes
Is Land O' Lakes safe from natural disasters?
Land O' Lakes is in Pasco 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 Land O' Lakes?
By expected yearly losses in Pasco County, the top hazards are hurricane (Very High), inland flooding (High), tornado (High). Pasco County has been part of 42 federal disaster or emergency declarations for natural events.
Does Land O' Lakes get tornadoes?
Yes. NOAA records list 98 tornadoes in Pasco County since 1950; the strongest was an F2 tornado on December 25, 2006 near Pasco. FEMA rates tornado risk in the county high.
Do I need flood insurance in Land O' Lakes?
Standard home insurance does not cover floods. In Pasco County, about 10.3% 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.