FEMA expects more hazard damage per building in Homosassa Springs than in 97% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Homosassa Springs gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns, #616 of 638 in Florida. Most of that expected damage is hurricanes (84%), then river and rain flooding (13%). Flood insurance has paid 42 claims here since 1984.
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 Homosassa Springs’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Homosassa 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 Homosassa Springs’ grade
Hurricanes are 84% of the building damage FEMA expects in Homosassa Springs, and Homosassa Springs’ rate of hurricanes damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 13% (lower than 71% of U.S. census tracts).
D− #616 of 638 in Florida; higher expected damage per building than 97% of U.S. towns (21,298).
Homosassa Springs’ 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, Homosassa Springs has more expected damage per building than 97% of Florida towns.
In dollars, FEMA expects about $7.7M a year in losses across Homosassa Springs: $6.7M to buildings, the rest to people and crops.
Does Homosassa Springs flood? Sometimes: 42 flood claims since 1984
Every paid claim on a federal flood insurance policy in Homosassa Springs, from FEMA’s records: 5.6 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- The Blizzard of 19939 claims · $219K
- Hurricane Frances6 claims · $20K
- Hurricane Elena4 claims · $22K
Homosassa 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.8 federal disasters brought FEMA money to Homosassa Springs
Disasters that paid out in Homosassa Springs itself (aid to households or repair grants to Homosassa Springs), newest first, with that year’s flood claims.
- 2024Hurricane Milton19 households applied for aid$12K aid approved
- 2024Hurricane Helene23 households applied for aid$67K aid approved
- 2023Hurricane Idalia11 households applied for aid$8K aid approved
- 2017Hurricane Irma28 households applied for aid$5K aid approved
- 2016Hurricane Hermine6 households applied for aid$1K aid approved
- 2004Hurricane Jeanne15 households applied for aid$24K aid approved4 flood claims paid for it, $45K
Show all 8
- 2004Hurricane Ivan2 households applied for aid$235 aid approved
- 2004Hurricane Frances23 households applied for aid$32K aid approved6 flood claims paid for it, $20K
Citrus County has had 30 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 Homosassa Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Homosassa Springs archive →Homosassa Springs and its neighbors
Homosassa Springs is 2nd of the 5 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 | — |
| Homosassa Springs | D−more damage than 97% | hurricanes | 42 |
| Crystal River | D−more damage than 98% | hurricanes | 1,962 |
| Sugarmill Woods | D−more damage than 98% | hurricanes | — |
| Homosassa | D−among the highest damage | hurricanes | 663 |
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 Homosassa 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 Homosassa Springs
Is Homosassa Springs at risk for natural disasters?
On FEMA’s National Risk Index, Homosassa Springs has higher expected damage per building than 97% of U.S. towns: D− for hazard risk, #616 of 638 in Florida. Most of the expected damage is hurricanes (84%) and river and rain flooding (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Homosassa Springs flood?
Flood insurance has paid 42 claims in Homosassa Springs since 1984, $501K in all, or 5.6 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. The most claims came from Blizzard of 1993 (9).
Is Homosassa 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 Homosassa Springs?
FEMA’s Community Rating System list shows no discount for Homosassa 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 Homosassa Springs?
By FEMA money that reached Homosassa Springs, Hurricane Helene (2024): 23 households applied for aid, $67K approved. By flood claims, Blizzard of 1993: 9 paid, $219K.
Is Homosassa Springs at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (84%), and Homosassa Springs’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Homosassa Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Homosassa 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.