City vs city
Temple Terrace vs Zephyrhills, FL
Temple Terrace currently scores 9 points higher overall than Zephyrhills, with the largest gap in hail.
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
Temple Terrace: 63/100 · Zephyrhills: 54/100
Temple Terrace is 9 points higher.
Flood
Temple Terrace: 46/100 · Zephyrhills: 44/100
Temple Terrace is 2 points higher.
Temple Terrace: FEMA NFHL flood zones: 15 features intersect this tile.
Zephyrhills: FEMA NFHL flood zones: 16 features intersect this tile.
Wind
Temple Terrace: 45/100 · Zephyrhills: 44/100
Temple Terrace is 1 points higher.
Temple Terrace: Wind exposure derived from ingested design wind / climatology tiles.
Zephyrhills: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Temple Terrace: 87/100 · Zephyrhills: 95/100
Zephyrhills is 8 points higher.
Temple Terrace: Lightning exposure derived from ingested climatology tiles.
Zephyrhills: Lightning exposure derived from ingested climatology tiles.
Tornado
Temple Terrace: 35/100 · Zephyrhills: 73/100
Zephyrhills is 38 points higher.
Temple Terrace: Tornado risk derived from NOAA SPC historical reports.
Zephyrhills: Tornado risk derived from NOAA SPC historical reports.
Hail
Temple Terrace: 94/100 · Zephyrhills: 36/100
Temple Terrace is 58 points higher.
Temple Terrace: Hail risk derived from NOAA SPC historical reports.
Zephyrhills: Hail risk derived from NOAA SPC historical reports.
Storm surge
Temple Terrace: 95/100 · Zephyrhills: Unavailable
A score difference cannot be calculated without both sources.
Temple Terrace: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Zephyrhills: Storm surge model is not available for this location yet.
Wildfire
Temple Terrace: 79/100 · Zephyrhills: 70/100
Temple Terrace is 9 points higher.
Temple Terrace: Wildfire exposure derived from ingested fire potential tiles.
Zephyrhills: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Temple Terrace: 26/100 · Zephyrhills: 19/100
Temple Terrace is 7 points higher.
Temple Terrace: 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.