On FEMA’s figures, Citrus Hills faces more hazard damage per building than 96% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Citrus Hills gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns, #604 of 638 in Florida. Most of that expected damage is hurricanes (80%), then river and rain flooding (17%). 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 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 Citrus Hills’ grade
Hurricanes are 80% of the building damage FEMA expects in Citrus Hills, and Citrus Hills’ rate of hurricanes damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 17% (lower than 58% of U.S. census tracts).
D− #604 of 638 in Florida; higher expected damage per building than 96% of U.S. towns (21,298).
Citrus Hills’ residents live in 4 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, Citrus Hills has more expected damage per building than 95% of Florida towns.
In dollars, FEMA expects about $7.0M a year in losses across Citrus Hills: $6.3M to buildings, the rest to people and crops.
Does Citrus Hills flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Citrus Hills. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Citrus 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.1 federal disaster brought FEMA money to Citrus Hills
Disasters that paid out in Citrus Hills itself (aid to households or repair grants to Citrus Hills), newest first, with that year’s flood claims.
- 2024Hurricane Helene1 households applied for aid$1K 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 Citrus Hills after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Citrus Hills archive →Citrus Hills and its neighbors
Citrus Hills is 2nd of the 4 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 |
|---|---|---|---|
| Lecanto | D−more damage than 96% | hurricanes | — |
| Citrus Hills | D−more damage than 96% | hurricanes | 0 |
| Pine Ridge | D−more damage than 97% | hurricanes | — |
| Hernando | D−more damage than 97% | hurricanes | 5 |
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 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 Citrus Hills
Is Citrus Hills at risk for natural disasters?
On FEMA’s National Risk Index, Citrus Hills has higher expected damage per building than 96% of U.S. towns: D− for hazard risk, #604 of 638 in Florida. Most of the expected damage is hurricanes (80%) and river and rain flooding (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Citrus 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 Citrus Hills?
FEMA’s Community Rating System list shows no discount for Citrus 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 Citrus Hills?
By FEMA money that reached Citrus Hills, Hurricane Helene (2024): 1 households applied for aid, $1K approved.
Is Citrus Hills at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (80%), and Citrus Hills’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Citrus Hills.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Citrus 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.