Is Pasco County, FL in a flood zone?
FEMA's National Risk Index puts Pasco County's flood hazard at the 95.4th percentile nationally — well above the national norm for flood hazard — split between inland river flooding (about 1.8 times a year) and coastal storm surge (about 3.7 times a year). This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Pasco County
Out of 35,604 homes FEMA counts inside Pasco County's mapped flood zone, 16,709 carry the flood policy federal law requires there — 46.9% compliance, short of full coverage. Across all residential structures in Pasco County, not just the ones FEMA mandates, 10.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Pasco County ranks
Pasco County sits at rank 156 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 108 of 3144 by population (1 is biggest). Pasco County, Florida covers 746.608 square miles and counts roughly 659,114 residents.
Your street may differ from Pasco County's average
FEMA counts 229,196 residential structures in Pasco County overall, 23,604 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Pasco County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.