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Floral City Hist Dist Street01Photo: Ebyabe · CC BY 2.5
D−Hazard risk
Natural hazards in Floral City · FEMA

FEMA expects more hazard damage per building in Floral City than in 97% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Floral City gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns, #609 of 638 in Florida. Most of that expected damage is hurricanes (77%), then river and rain flooding (18%). FEMA’s files show no paid flood insurance claims here.

Hurricanes 77%River and rain flooding 18%Tornadoes 2%

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

more than 97%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#609 of 638 in Florida
Hazard risk
D−#609 of 638
in Florida · higher than 97% of U.S. towns
Main hazard
Hurricanes
77% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
10
of 29 declared for Citrus County

What stands out about Floral City’s natural hazards

From FEMA’s model and FEMA’s records, below.

Hurricanes: the top 1% of U.S. tractsFEMA’s building-damage rate for hurricanes here ranks in the top 1% of U.S. census tracts; it is 77.0% of the damage it expects.Made safer with FEMA grants1 building retrofitted against wind with FEMA grants.
By hazard

What Floral City faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

77%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 4 years in the area

River and rain flooding

18%of expected building damage
About average · lower than 53% of U.S. census tracts
Recorded about once every 1 years in the area
Smaller shares here
 Tornadoes Wildfire Strong wind Earthquakes Lightning Hail Cold waves top 5% Heat waves Landslides
FEMA models no building damage here
Coastal floodingWinter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Floral City’s grade

Hurricanes are 77% of the building damage FEMA expects in Floral City, and Floral City’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 6% of U.S. census tracts.

Where Floral City sits
Floral City
Least damageMiddleMost damage

D− #609 of 638 in Florida; higher expected damage per building than 97% of U.S. towns (21,298).

Floral City’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes77%River and rain flooding18%Everything else5%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Floral City has more expected damage per building than 95% of Florida towns.

In dollars, FEMA expects about $3.1M a year in losses across Floral City: $2.6M to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Irma in 2017, FEMA took 1,054 aid registrations from Floral City addresses (the town has 3,030 homes).
A small-area figure. Floral City covers 4 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Floral City flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Floral City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Floral City 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.
What’s been done with FEMA grants
1building retrofitted against wind
Disasters

10 federal disasters brought FEMA money to Floral City

Disasters that paid out in Floral City itself (aid to households or repair grants to Floral City), newest first, with that year’s flood claims.

  1. 2024Hurricane Milton558 households applied for aid$551K aid approved
  2. 2024Hurricane Helene144 households applied for aid$171K aid approved
  3. 2024Hurricane Debby6 households applied for aid$23K aid approved
  4. 2023Hurricane Idalia39 households applied for aid$22K aid approved
  5. 2017Hurricane Irma1,054 households applied for aid$465K aid approved
  6. 2016Hurricane Hermine6 households applied for aid$11K aid approved
Show all 10
  1. 2012Tropical Storm Debby12 households applied for aid$3K aid approved
  2. 2004Hurricane Jeanne279 households applied for aid$273K aid approved
  3. 2004Hurricane Ivan10 households applied for aid$1K aid approved
  4. 2004Hurricane Frances310 households applied for aid$377K aid approved
Disasters declared, by decade
Paid out in Floral CityCitrus County only

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.

Were you here?

Old photos of Floral City after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Floral City archive →
Be ready

Get ready for what Floral City faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • 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.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Floral City

Is Floral City at risk for natural disasters?

On FEMA’s National Risk Index, Floral City has higher expected damage per building than 97% of U.S. towns: D− for hazard risk, #609 of 638 in Florida. Most of the expected damage is hurricanes (77%) and river and rain flooding (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Floral City 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 Floral City?

FEMA’s Community Rating System list shows no discount for Floral City’s 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 Floral City?

By FEMA money that reached Floral City, Hurricane Milton (2024): 558 households applied for aid, $551K approved.

Is Floral City at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (77%), and Floral City’s rate for it is in the top 1% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Floral City.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Floral City’s 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.