Property Atlas

County hazard profile

Citrus, FL

Florida · pop. 153,476 · FIPS 12017

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$112M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (35th percentile)

national median $15M/yr Citrus $112M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 94.69/100
national median ~50 among the highest nationally
Social vulnerabilityVery High 82.28/100
national median ~50 higher than 82% of counties
Community resilienceVery Low 6.84/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Citrus

The National Flood Insurance Program has paid 7,075 flood-insurance claims totaling $383.2M in Citrus since 1978. The costliest year was 2024 ($171.6M paid).

Flood-insurance dollars paid by year of loss

1978: $4,553 paid 1979: $1,083 paid 1980: $1,147 paid 1981: $0 paid 1982: $25,662 paid 1983: $1,661 paid 1984: $10,342 paid 1985: $780,450 paid 1986: $1,899 paid 1988: $95,523 paid 1990: $0 paid 1991: $0 paid 1992: $64,494 paid 1993: $43,457,597 paid 1994: $1,683 paid 1995: $343,693 paid 1996: $10,768,295 paid 1997: $21,907 paid 1998: $281,884 paid 1999: $2,376 paid 2000: $7,571 paid 2001: $20,805 paid 2002: $0 paid 2003: $363,392 paid 2004: $1,591,518 paid 2005: $31,319 paid 2006: $2,220,782 paid 2007: $0 paid 2008: $75,741 paid 2009: $0 paid 2010: $30,785 paid 2011: $0 paid 2012: $844,867 paid 2013: $0 paid 2014: $0 paid 2015: $59,019 paid 2016: $50,436,220 paid 2017: $215,080 paid 2018: $46,939 paid 2019: $217,347 paid 2021: $1,041,690 paid 2022: $0 paid 2023: $98,454,023 paid 2024: $171,630,243 paid 2025: $0 paid 2024 · $171.6M 1978 2025
$383.2M
total paid
$54,156
average claim
$1.1M
largest single claim
98%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Citrus, FL and where it ranks among U.S. counties. It is not a verdict on whether Citrus is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.