How much flood risk does Citrus County actually carry?
Citrus County lands at the 92.6th percentile of FEMA's National Risk Index for flooding, "Relatively High" territory — well above the national norm for flood hazard — with the hazard split between inland river flooding (about once every 1 years) and coastal storm surge (about 3.7 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Citrus County's flood-insurance compliance gap
Out of 12,092 homes FEMA counts inside Citrus County's mapped flood zone, 4,747 carry the flood policy federal law requires there — 39.3% compliance, short of full coverage. Across all residential structures in Citrus County, not just the ones FEMA mandates, 7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Citrus County against the rest of the country
Citrus County sits at rank 251 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 410 of 3144 by population (1 is biggest). About 170,174 people live in Citrus County, Florida, spread over 582.031 square miles.
What to do next if you own or are buying in Citrus County
FEMA counts 78,835 residential structures in Citrus County overall, 5,549 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Citrus County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.