Photo: Los Angeles County Department of Regional Planning · Public domainOn FEMA’s figures, Citrus faces more hazard damage per building than 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Citrus gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns, #423 of 847 in California. Most of that expected damage is river and rain flooding (51%), then earthquakes (48%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Citrus faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Citrus’ grade
River and rain flooding is 51% of the building damage FEMA expects in Citrus, and Citrus’ rate of river and rain flooding damage is higher than 87% of U.S. census tracts. Earthquakes add 48%, at a rate in the top 6% of U.S. census tracts.
D #423 of 847 in California; higher expected damage per building than 92% of U.S. towns (21,298).
Citrus’ residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical California town has higher expected damage than 92% of U.S. towns; within the state, Citrus has less expected damage per building than 50% of California towns.
In dollars, FEMA expects about $3.2M a year in losses across Citrus: $2.5M to buildings, the rest to people and crops.
Does Citrus flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Citrus. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Citrus isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Los Angeles County.The storms Citrus remembers
None of the 40 disasters declared for Los Angeles County shows FEMA aid or repair money reaching Citrus itself in FEMA’s records, so these are its biggest flood-claim years.
Los Angeles County has had 40 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 44 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Los Angeles County, 2002–2025.
Citrus and its neighbors
Citrus is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Citrus faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Citrus
Is Citrus at risk for natural disasters?
On FEMA’s National Risk Index, Citrus has higher expected damage per building than 92% of U.S. towns: D for hazard risk, #423 of 847 in California. Most of the expected damage is river and rain flooding (51%) and earthquakes (48%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Citrus in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Los Angeles County, 33% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Citrus?
FEMA’s Community Rating System list shows no discount for Citrus’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Citrus at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Citrus’ rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Citrus.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Citrus’ residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.