City vs city
Lutz vs Zephyrhills, FL
Zephyrhills currently scores 5 points higher overall than Lutz, with the largest gap in tornado.
Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.
Hazard breakdown
Scores describe each city’s reference grid tile, not every property. A missing model is unavailable, not zero risk. Air quality uses an ingested EPA AirNow snapshot and may not reflect current conditions; other factors describe baseline exposure. The overall score blends different hazards and is not a probability of damage. Read the scoring methodology and sources.
Overall
Lutz: 49/100 · Zephyrhills: 54/100
Zephyrhills is 5 points higher.
Flood
Lutz: 45/100 · Zephyrhills: 44/100
Lutz is 1 points higher.
Lutz: FEMA NFHL flood zones: 21 features intersect this tile.
Zephyrhills: FEMA NFHL flood zones: 16 features intersect this tile.
Wind
Lutz: 45/100 · Zephyrhills: 44/100
Lutz is 1 points higher.
Lutz: Wind exposure derived from ingested design wind / climatology tiles.
Zephyrhills: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Lutz: 83/100 · Zephyrhills: 95/100
Zephyrhills is 12 points higher.
Lutz: Lightning exposure derived from ingested climatology tiles.
Zephyrhills: Lightning exposure derived from ingested climatology tiles.
Tornado
Lutz: 27/100 · Zephyrhills: 73/100
Zephyrhills is 46 points higher.
Lutz: Tornado risk derived from NOAA SPC historical reports.
Zephyrhills: Tornado risk derived from NOAA SPC historical reports.
Hail
Lutz: 53/100 · Zephyrhills: 36/100
Lutz is 17 points higher.
Lutz: Hail risk derived from NOAA SPC historical reports.
Zephyrhills: Hail risk derived from NOAA SPC historical reports.
Storm surge
Lutz: Unavailable · Zephyrhills: Unavailable
A score difference cannot be calculated without both sources.
Lutz: Storm surge model is not available for this location yet.
Zephyrhills: Storm surge model is not available for this location yet.
Wildfire
Lutz: 65/100 · Zephyrhills: 70/100
Zephyrhills is 5 points higher.
Lutz: Wildfire exposure derived from ingested fire potential tiles.
Zephyrhills: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Lutz: 25/100 · Zephyrhills: 19/100
Lutz is 6 points higher.
Lutz: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Zephyrhills: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.