FEMA expects more hazard damage per building in Beverly Hills than in 97% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Beverly Hills gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns, #615 of 638 in Florida. Most of that expected damage is hurricanes (78%), then river and rain flooding (21%). 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 stands out about Beverly Hills’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Beverly Hills faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Beverly Hills’ grade
Hurricanes are 78% of the building damage FEMA expects in Beverly Hills, and Beverly Hills’ rate of hurricanes damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 21% (higher than 58% of U.S. census tracts).
D− #615 of 638 in Florida; higher expected damage per building than 97% of U.S. towns (21,298).
Beverly Hills’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Beverly Hills has more expected damage per building than 96% of Florida towns.
In dollars, FEMA expects about $4.6M a year in losses across Beverly Hills: $3.9M to buildings, the rest to people and crops.
Does Beverly Hills flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Beverly Hills. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Beverly Hills isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Citrus County.8 federal disasters brought FEMA money to Beverly Hills
Disasters that paid out in Beverly Hills itself (aid to households or repair grants to Beverly Hills), newest first, with that year’s flood claims.
- 2024Hurricane Milton399 households applied for aid$108K aid approved
- 2024Hurricane Helene265 households applied for aid$100K aid approved
- 2023Hurricane Idalia148 households applied for aid$19K aid approved
- 2017Hurricane Irma1,264 households applied for aid$380K aid approved
- 2016Hurricane Hermine5 households applied for aid$2K aid approved
- 2012Tropical Storm Debby13 households applied for aid$2K aid approved
Show all 8
- 2004Hurricane Jeanne96 households applied for aid$26K aid approved
- 2004Hurricane Frances261 households applied for aid$109K aid approved
Citrus County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Citrus County, 2000–2000.
Old photos of Beverly Hills after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beverly Hills archive →Beverly Hills and its neighbors
Beverly Hills is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pine Ridge | D−more damage than 97% | hurricanes | — |
| Beverly Hills | D−more damage than 97% | hurricanes | 0 |
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 Beverly Hills faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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.
- 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 Beverly Hills
Is Beverly Hills at risk for natural disasters?
On FEMA’s National Risk Index, Beverly Hills has higher expected damage per building than 97% of U.S. towns: D− for hazard risk, #615 of 638 in Florida. Most of the expected damage is hurricanes (78%) and river and rain flooding (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Beverly Hills 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 Citrus County, 39% of homes in mapped flood zones carry federal flood insurance, and 7.0% of all homes do.
How much is flood insurance in Beverly Hills?
FEMA’s Community Rating System list shows no discount for Beverly Hills’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Beverly Hills?
By FEMA money that reached Beverly Hills, Hurricane Irma (2017): 1,264 households applied for aid, $380K approved.
Is Beverly Hills at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (78%), and Beverly Hills’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Beverly Hills.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beverly Hills’ 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.