Photo: DanTD · CC BY-SA 3.0FEMA puts Citrus Springs’s expected hazard damage per building above that of 97% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Citrus Springs gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns, #607 of 638 in Florida. Most of that expected damage is hurricanes (80%), then river and rain flooding (18%). 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 Springs 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 Springs’ grade
Hurricanes are 80% of the building damage FEMA expects in Citrus Springs, and Citrus Springs’ rate of hurricanes damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 18% (lower than 54% of U.S. census tracts).
D− #607 of 638 in Florida; higher expected damage per building than 97% of U.S. towns (21,298).
Citrus Springs’ residents live in 3 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 Springs has more expected damage per building than 95% of Florida towns.
In dollars, FEMA expects about $5.2M a year in losses across Citrus Springs: $4.5M to buildings, the rest to people and crops.
Does Citrus Springs flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Citrus Springs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Citrus Springs 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.7 federal disasters brought FEMA money to Citrus Springs
Disasters that paid out in Citrus Springs itself (aid to households or repair grants to Citrus Springs), newest first, with that year’s flood claims.
- 2024Hurricane Milton178 households applied for aid$48K aid approved
- 2024Hurricane Helene218 households applied for aid$70K aid approved
- 2023Hurricane Idalia45 households applied for aid$8K aid approved
- 2017Hurricane Irma689 households applied for aid$183K aid approved
- 2012Tropical Storm Debby3 households applied for aid$427 aid approved
- 2004Hurricane Jeanne50 households applied for aid$33K aid approved
Show all 7
- 2004Hurricane Frances68 households applied for aid$32K 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 Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Citrus Springs archive →Citrus Springs and its neighbors
Citrus Springs has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Citrus Springs | D−more damage than 97% | 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 Springs 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 Springs
Is Citrus Springs at risk for natural disasters?
On FEMA’s National Risk Index, Citrus Springs has higher expected damage per building than 97% of U.S. towns: D− for hazard risk, #607 of 638 in Florida. Most of the expected damage is hurricanes (80%) and river and rain flooding (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Citrus Springs 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 Springs?
FEMA’s Community Rating System list shows no discount for Citrus Springs’ 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 Springs?
By FEMA money that reached Citrus Springs, Hurricane Irma (2017): 689 households applied for aid, $183K approved.
Is Citrus Springs at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (80%), and Citrus Springs’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Citrus Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Citrus Springs’ 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.