States › Florida › Citrus County

Citrus County, Florida

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 12017 · 158,083 residents (2021) · 582 sq mi · dominant hazard Wind

Hail · 78Tornado · 51Flood · 29Wind · 162Winter · 0

Citrus County within Florida. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.

Between 1950 and 2026, NCEI recorded 535 storm events in Citrus County, Florida, led by damaging wind.

That is 91.9 events per 100 square miles, in line with the Florida figure of 73.8, and 33.8 per 10,000 residents against 18.2 statewide.

2 events fall in the 12 months to 30 Jun 2026. NCEI attributes 4 deaths and 23 injuries to events in the county, with property damage estimated at $56M and crop damage at $2.3M.

FEMA has designated the county in 40 federal disaster declarations since 1953; the most recent is Hurricane Milton (major disaster, 11 Oct 2024).

National Flood Insurance Program policyholders in the county filed 7,076 claims since 1978, of which 6,236 were paid, totalling $385M (about $62K per paid claim). FEMA counts 5,549 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Relatively High" and its expected annual loss as "Relatively Moderate" ($112M a year across 18 hazards).

101 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 17 of them within 50 miles at hurricane strength.

2events, last 12 monthsto 30 Jun 2026

535events since 19504 deaths, 23 injuries recorded

40disaster declarationslast 11 Oct 2024

7,076NFIP flood claims$385M paid

Compared with Florida and the United States

Measure	Citrus County	Florida	US
Recorded events since 1950	535	39,578	1,977,440
Events per 100 square miles	91.9	73.8	56.0
Events per 10,000 residents	33.8	18.2	59.6
Events in the last 12 months	2	1,307	62,008
Deaths recorded by NCEI	4	890	26,435
Property damage (NCEI estimates)	$56M	$80B	$575B
NFIP claims per 1,000 residents	44.8	20.6	8.1
Average paid NFIP claim	$62K	$62K	$43K
Claims per 100 policies in force, last 10 years	51.5	18.3	16.1

County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.

Events by decade

Hail: 2Tornado: 2Wind: 3

Hail: 5Tornado: 7Wind: 7

Hail: 7Tornado: 15Wind: 28

Hail: 18Tornado: 16Flood: 16Wind: 61Tropical: 4Cold: 6Lightning: 9Fog: 43

Hail: 32Tornado: 6Flood: 10Wind: 27Tropical: 9Cold: 77Wildfire: 5Lightning: 7Fog: 17Other: 10

Hail: 10Tornado: 2Flood: 2Wind: 31Tropical: 2Cold: 17Lightning: 7Other: 1

Hail: 4Tornado: 3Flood: 1Wind: 5Lightning: 1

01950s71960s191970s501980s1731990s2002000s722010s142020s

Recorded events in Citrus County by decade and hazard group. HailTornadoFloodWindTropicalColdWildfireLightningFogOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 133 events in the 20 years to 2025 against 345 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.

Events by type

Wind162

Cold100

Hail78

Fog60

Tornado51

Flood29

Lightning24

Tropical15

Other11

Wildfire5

Hazard	Events	Deaths	Share of state's events
■ Wind	162	—	1.0%	detail
■ Cold	100	—	8.9%
■ Hail	78	—	1.4%	detail
■ Fog	60	—	8.0%
■ Tornado	51	3	1.3%	detail
■ Flood	29	—	0.9%	detail
■ Lightning	24	1	1.4%
■ Tropical	15	—	0.7%
■ Other	11	—	0.4%
■ Wildfire	5	—	1.0%

Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.

Largest recorded events

Date	Event type	Group	Magnitude	Property damage	Crop damage	Deaths	Injuries	Geography
9 Apr 1983	Tornado	Tornado	F3	$2.5M	—	3	2	County
5 Jul 2002	Lightning	Lightning	—	—	—	1	—	County
13 Jun 2000	Lightning	Lightning	—	—	—	—	4	County
12 Mar 1993	Tornado	Tornado	F1	$5.0M	—	—	3	County
5 Sep 2004	Tropical Storm	Tropical	—	$21M	—	—	—	Forecast zone
3 Sep 1998	Tornado	Tornado	F2	$500K	—	—	2	County
23 Feb 2004	Thunderstorm Wind	Wind	70 mph	$300K	—	—	2	County
12 Mar 2022	Thunderstorm Wind	Wind	75 mph	$150K	—	—	2	County
29 May 2020	Lightning	Lightning	—	—	—	—	2	County
10 Jul 1984	Tornado	Tornado	F0	$250K	—	—	1	County
29 Mar 2001	Tornado	Tornado	F0	$75K	—	—	1	County
22 Jan 2017	Thunderstorm Wind	Wind	58 mph	$30K	—	—	1	County
2 Feb 1983	Tornado	Tornado	F1	$25K	—	—	1	County
12 Jun 1999	Lightning	Lightning	—	$1K	—	—	1	County
11 Sep 2010	Lightning	Lightning	—	—	—	—	1	County
15 Sep 2021	Flood	Flood	—	$10M	—	—	—	County
26 Sep 2004	Tropical Storm	Tropical	—	$5.0M	—	—	—	Forecast zone
2 Jan 1998	Flood	Flood	—	$2.0M	—	—	—	County
7 Oct 1996	Tropical Storm	Tropical	—	$1.2M	—	—	—	Forecast zone
20 Dec 2000	Frost/Freeze	Cold	—	—	$1.0M	—	—	Forecast zone

Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.

Federal disaster declarations

Declared	Number	Type	Incident	Title	Programs
11 Oct 2024	DR-4834	Major disaster	Hurricane	Hurricane Milton	Individual assistance, Public assistance
7 Oct 2024	EM-3622	Emergency	Hurricane	Hurricane Milton	Public assistance
28 Sep 2024	DR-4828	Major disaster	Hurricane	Hurricane Helene	Individual assistance, Public assistance
24 Sep 2024	EM-3615	Emergency	Tropical Storm	Tropical Storm Helene	Public assistance
10 Aug 2024	DR-4806	Major disaster	Tropical Storm	Hurricane Debby	Individual assistance, Public assistance
3 Aug 2024	EM-3605	Emergency	Tropical Storm	Tropical Storm Debby	Public assistance
31 Aug 2023	DR-4734	Major disaster	Hurricane	Hurricane Idalia	Individual assistance, Public assistance
28 Aug 2023	EM-3596	Emergency	Tropical Storm	Tropical Storm Idalia	Public assistance
13 Dec 2022	DR-4680	Major disaster	Hurricane	Hurricane Nicole	Public assistance
8 Nov 2022	EM-3587	Emergency	Tropical Storm	Tropical Storm Nicole	Public assistance
29 Sep 2022	DR-4673	Major disaster	Hurricane	Hurricane Ian	Public assistance
24 Sep 2022	EM-3584	Emergency	Hurricane	Tropical Storm Ian	Public assistance
16 Aug 2021	EM-3562	Emergency	Hurricane	Tropical Storm Fred	Public assistance
4 Jul 2021	EM-3561	Emergency	Severe Storm	Tropical Storm Elsa	Public assistance
11 Nov 2020	EM-3551	Emergency	Hurricane	Hurricane Eta	Public assistance
25 Mar 2020	DR-4486	Major disaster	Biological	Covid-19 Pandemic	Individual assistance, Public assistance
13 Mar 2020	EM-3432	Emergency	Biological	Covid-19	Public assistance
30 Aug 2019	EM-3419	Emergency	Hurricane	Hurricane Dorian	Public assistance
9 Oct 2018	EM-3405	Emergency	Hurricane	Hurricane Michael	Public assistance
10 Sep 2017	DR-4337	Major disaster	Hurricane	Hurricane Irma	Individual assistance, Public assistance
5 Sep 2017	EM-3385	Emergency	Hurricane	Hurricane Irma	Public assistance
6 Oct 2016	EM-3377	Emergency	Hurricane	Hurricane Matthew	Public assistance
28 Sep 2016	DR-4280	Major disaster	Hurricane	Hurricane Hermine	Individual assistance, Public assistance
3 Jul 2012	DR-4068	Major disaster	Severe Storm	Tropical Storm Debby	Individual assistance, Public assistance
21 Aug 2008	EM-3288	Emergency	Severe Storm	Tropical Storm Fay	Public assistance
5 Sep 2005	EM-3220	Emergency	Hurricane	Hurricane Katrina Evacuation	Public assistance
26 Sep 2004	DR-1561	Major disaster	Hurricane	Hurricane Jeanne	Individual assistance, Public assistance
16 Sep 2004	DR-1551	Major disaster	Hurricane	Hurricane Ivan	Individual assistance, Public assistance
4 Sep 2004	DR-1545	Major disaster	Hurricane	Hurricane Frances	Individual assistance, Public assistance
13 Aug 2004	DR-1539	Major disaster	Hurricane	Tropical Storm Bonnie And Hurricane Charley	Public assistance
29 Jul 2003	DR-1481	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
5 Feb 2001	DR-1359	Major disaster	Freezing	Severe Freeze	Individual assistance
19 May 2000	FM-2299	Fire management assistance	Fire	Withlacoochee Fire Complex	Public assistance
18 Jun 1998	DR-1223	Major disaster	Fire	Extreme Fire Hazard	Individual assistance, Public assistance
6 Jan 1998	DR-1195	Major disaster	Severe Storm	Severe Storms, High Winds, Tornadoes, And Flooding	Individual assistance, Public assistance
15 Oct 1996	DR-1141	Major disaster	Severe Storm	Tropical Storm Josephine	Individual assistance
13 Mar 1993	DR-982	Major disaster	Tornado	Tornadoes, Flooding, High Winds & Tides, Freezing	Individual assistance, Public assistance
15 Jan 1990	DR-851	Major disaster	Freezing	Severe Freeze	Individual assistance
31 Jan 1977	DR-526	Major disaster	Freezing	Severe Winter Weather	Individual assistance
7 Nov 1968	DR-252	Major disaster	Hurricane	Hurricane Gladys	Individual assistance, Public assistance

Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.

Flood insurance claims

197820022026

NFIP claims by year of loss in Citrus County, 1978 to 2026 (hover for the amount paid).

Claims since 19787,076

Paid claims6,236

Total paid$385M

Average paid claim$62K

Repetitive-loss properties1,073314 severe

Residential policies in force5,5497.0% of 78,835 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2026	1	0	$0	—
2025	4	0	$0	—
2024	1,779	1,675	$171,785,447	$102,558
2023	994	906	$100,005,403	$110,381
2022	3	0	$0	—
2021	32	19	$1,041,690	$54,826
2019	4	4	$217,347	$54,337
2018	12	5	$46,939	$9,388
2017	29	13	$215,080	$16,545
2016	1,060	899	$50,436,220	$56,103
2015	6	3	$59,019	$19,673
2014	1	0	$0	—
2013	5	0	$0	—
2012	49	34	$844,867	$24,849
2011	2	0	$0	—
2010	9	7	$30,785	$4,398
2009	2	0	$0	—
2008	12	6	$75,741	$12,624
2007	4	0	$0	—
2006	121	100	$2,220,782	$22,208
2005	10	6	$31,319	$5,220
2004	153	107	$1,591,518	$14,874
2003	53	40	$363,392	$9,085
2002	2	0	$0	—
2001	6	2	$20,805	$10,402

OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).

National Risk Index

Overall riskRelatively Highscore 94.7 of 100

Expected annual loss$112MRelatively Moderate

Social vulnerabilityVery High

Community resilienceVery Low

Hazard (NRI)	Risk rating	Expected annual loss
Hurricane	Very High	$82,134,521
Inland flooding	Relatively Moderate	$15,300,558
Coastal flooding	Relatively High	$5,273,859
Tornado	Relatively Moderate	$4,506,724
Lightning	Relatively High	$1,348,470
Wildfire	Relatively Moderate	$1,001,416
Cold wave	Relatively Low	$931,947
Heat wave	Relatively Low	$815,005
Strong wind	Relatively Moderate	$662,599
Earthquake	Very Low	$94,723
Hail	Very Low	$18,050
Drought	Very Low	$1,944
Landslide	Very Low	$261
Winter weather	Very Low	$0

FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.

Hurricane and tropical storm passes

Tracks within 100 miles101

Tracks within 50 miles42

Hurricane strength within 50 miles17

Storm	Year	Closest approach	Max wind while within 100 mi
Debby	2024	80 mi	81 mph
Milton	2024	94 mi	81 mph
Idalia	2023	93 mi	132 mph
Nicole	2022	16 mi	63 mph
Elsa	2021	63 mi	63 mph
Eta	2020	30 mi	63 mph
Emily	2017	94 mi	58 mph
Irma	2017	51 mi	75 mph
Colin	2016	89 mi	52 mph
Julia	2016	85 mi	52 mph
Andrea	2013	66 mi	63 mph
Debby	2012	48 mi	40 mph
Fay	2008	53 mi	63 mph
Alberto	2006	98 mi	46 mph
Charley	2004	80 mi	86 mph
Frances	2004	46 mi	69 mph
Jeanne	2004	32 mi	86 mph
Edouard	2002	98 mi	40 mph
Gabrielle	2001	74 mi	52 mph
Gordon	2000	48 mi	75 mph
Erin	1995	52 mi	69 mph
Jerry	1995	57 mi	40 mph
Marco	1990	45 mi	58 mph
Elena	1985	73 mi	121 mph
Isidore	1984	30 mi	52 mph

HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.

ZIP codes with flood claims

34429 3,020
34448 1,821
34428 1,422
32629 327
32646 133
32647 75
34442 74
34450 58
34446 53
34423 41
34434 32
34447 18
34487 18
32650 17
34436 15
34433 11
34453 8
32687 6
34465 6

ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.

Questions and answers

How often does it hail in Citrus County, FL?

NCEI records 78 hail events in Citrus County since 1950, in 28 different years; that is about 1.0 recorded events a year. 8 reports were golf-ball size (1.75 in) or larger.

Has Citrus County had a tornado?

Yes. NCEI records 51 tornadoes in Citrus County since 1950, 4 of them rated (E)F2 or stronger. Tornado deaths recorded: 3.

When was the last federal disaster declaration for Citrus County?

11 Oct 2024: Hurricane Milton, a major disaster declaration for hurricane. The county appears in 40 declarations since 1953.

How many flood insurance claims have been filed in Citrus County, and how much was paid?

7,076 NFIP claims since 1978, 6,236 of them paid, for $385M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is Citrus County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Relatively High" for overall risk, "Relatively Moderate" for expected annual loss, "Very High" for social vulnerability and "Very Low" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does Citrus County compare with the rest of Florida?

91.9 recorded events per 100 square miles against 73.8 statewide, and 44.8 NFIP claims per 1,000 residents against 20.6. The comparison table on this page shows each measure beside the state and national figures.

Provenance

Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.