Flood Claims Map

Florida

Flood insurance claims in Citrus County, Florida

FEMA records 7,076 National Flood Insurance Program claims in Citrus County, Florida, since 1978, with $384.9 million paid in total. The year with the most claims was 2024, with 1,779. As of 3 August 2026, 7.0% of homes here had an NFIP policy, and 39.3% of homes in the high-risk flood zone did.

NFIP claims on record7,076
Total paid$384.9 million
Claims with a payment6,236
Homes with NFIP policy7.0%
High-risk zone homes insured39.3%
Residential policies in force5,549

Claims by year of loss

1978: 819781979: 41980: 21981: 11982: 719821983: 61984: 281985: 1741986: 219861987: 01988: 261989: 01990: 119901991: 11992: 181993: 1,5151994: 719941995: 991996: 7421997: 91998: 6319981999: 42000: 62001: 62002: 220022003: 532004: 1532005: 102006: 12120062007: 42008: 122009: 22010: 920102011: 22012: 492013: 52014: 120142015: 62016: 1,0602017: 292018: 1220182019: 42020: 02021: 322022: 320222023: 9942024: 1,7792025: 42026: 120261,779

NFIP claims by year of loss, Citrus County, Florida

1978: $4,55319781979: $1,0831980: $1,1471981: $01982: $25,66219821983: $1,6611984: $10,3421985: $780,4501986: $1,89919861987: $01988: $95,5231989: $01990: $019901991: $01992: $64,4941993: $43.5 million1994: $1,68319941995: $343,6931996: $10.8 million1997: $21,9071998: $281,88419981999: $2,3762000: $7,5712001: $20,8052002: $020022003: $363,3922004: $1.6 million2005: $31,3192006: $2.2 million20062007: $02008: $75,7412009: $02010: $30,78520102011: $02012: $844,8672013: $02014: $020142015: $59,0192016: $50.4 million2017: $215,0802018: $46,93920182019: $217,3472020: $02021: $1.0 million2022: $020222023: $100.0 million2024: $171.8 million2025: $02026: $02026$171.8 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Citrus County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene1,673
Blizzard of 19931,502
Hurricane Hermine1,042
Hurricane Idalia975
Hurricane Josephine728
Tropical Storm Alberto116
Hurricane Elena116
Hurricane Jeanne92

ZIP codes with the most claims

ZIP code (as reported)Claims
344293,020
344481,821
344281,420
32629211
32646107
3444274
3445058
3264756
3444653
3444952

6,918 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $335.1 million, contents $48.3 million, increased cost of compliance $1.5 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone12,0924,74739.3%
All homes78,8355,5497.0%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.