14,283 residents·in Citrus County·7,076 flood claims county-wide
Shaded areas are FEMA’s mapped flood hazard zones in and around Homosassa Springs CDP, Florida. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
The map above shows FEMA’s flood zones in and around Homosassa Springs CDP; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Citrus County, which includes Homosassa Springs CDP.
38% of Citrus County’s area is in FEMA’s high-risk flood zones, and another 3% in shaded X (mostly the 0.2% floodplain and areas behind levees).
Less than 1% of Citrus County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
6,967 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In Citrus County flood insurance claims that reported a flood depth, the average was 5 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.
The worst year was 2024, with 1,779 claims and $171.5M paid, the year of Hurricane Debby, Hurricane Helene and Hurricane Milton.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
Full Citrus County flood history: disasters, storm reports and events →
If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
The average NFIP premium across Florida was $965 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.
Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.