As Milton takes aim at Florida, why is Tampa Bay so vulnerable to hurricanes?

The last time the eye of a major storm like Hurricane Milton struck Tampa Bay, in 1921, the city was a sleepy backwater of a few hundred thousand people. A century later, it's among the fastest-growing metropolises in the United States, with more than 3 million people, and highly vulnerable to flooding due to climate change. As Milton barrels toward the Gulf Coast of Florida, strengthening Monday into a Category 5 storm, experts are worried that a century of luck could come to a sudden end.

Here's what to know:

The National Hurricane Center is predicting storm surge in Tampa Bay and surrounding waters of between 8 and 12 feet (2.5 to 3 meters) above normal tide conditions, and rainfall of between 4 and 6 inches (10 to 15 centimeters) because of Hurricane Milton.