More hazard damage per building is expected in Citrus City than in 68% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Citrus City gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is hurricanes (67%), then river and rain flooding (24%). 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 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
River and rain flooding
Hail
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 City’s grade
Hurricanes are 67% of the building damage FEMA expects in Citrus City, and Citrus City’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 24% (lower than 93% of U.S. census tracts).
C higher expected damage per building than 68% of U.S. towns (21,298).
Citrus City’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $845K a year in losses across Citrus City: $432K to buildings, the rest to people and crops.
Does Citrus City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Citrus City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Citrus 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: Hidalgo County.The storms Citrus City remembers
None of the 26 disasters declared for Hidalgo County shows FEMA aid or repair money reaching Citrus City itself in FEMA’s records, so these are its biggest flood-claim years.
Hidalgo County has had 26 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.
Get ready for what Citrus 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 City
Is Citrus City at risk for natural disasters?
On FEMA’s National Risk Index, Citrus City has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is hurricanes (67%) and river and rain flooding (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Citrus 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 Hidalgo County, 3.7% of all homes carry federal flood insurance.
How much is flood insurance in Citrus City?
FEMA’s Community Rating System list shows no discount for Citrus City’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Citrus City at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (67%), and Citrus City’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Citrus City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Citrus 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.