We survived 8 hurricanes over the past 2 summers without even losing our power. The biggest thing that happened was a palm frond landing on the ground and a small newly-planted plant blew over. Newer homes (less than 5 years) have the strictest code. I wouldn't worry about hurricanes in the Wesley Chapel/Land O Lakes area. This where people on the beaches flee TO.
If you're thinking about the Trinity area - I'd just be mindful of your boundaries. For those in Pinellas County, east of 19 is good and for those in Pasco, east of Little Road. Those seem to be 2 boundaries for flood zones. There are exceptions. Just ask about the area you're interested in.