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Flood insurance cost · Citrus County, FL

Flood insurance cost in Citrus County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,761 home policies in force on August 31, 2026.

Citrus County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,345a year

Half of insured homes paid between $768 and $3,028. That is 32% more than the Florida median ($1,017). Most insured homes here are rated in zone AE (82%).

$0$768 · $1,345 · $3,028$3,785
+12.3% vs Aug 31, 2025 (median $1,198)
4,761home policies in force
$2,228average cost (mean)
84%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: 1 FEMA declaration · IRS Feb 8, 2027. FEMA declarations and IRS tax relief in Citrus County.

Cost by flood zone in Citrus County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$5,045$1,685–$6,781$4,81637 (1%)+11.6%
Zone AE
High risk		$1,759$942–$3,542$2,5203,891 (82%)+11.8%
Zone A
High risk		$880$704–$1,067$92449 (1%)−2.9%
Zone X
Moderate to low risk		$621$498–$918$736784 (16%)+1.1%

Not shown (fewer than 10 home policies): AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Citrus County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,885$1,402$2,383
2–4 unit building109$1,335$2,161
Manufactured (mobile) home641$1,206$1,488
Condo or apartment unit126$964$1,259
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		183$6,816$8,411
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		424$3,913$5,412
5,368NFIP policies in force, any building
5,856insured units (condo association policies count every unit)
65%of home policies also cover contents
$66,000median contents coverage, when bought

One year on: Citrus County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force4,9474,761−3.8%
Median annual cost$1,198$1,345+12.3%
Average annual cost$1,987$2,228+12.1%
All policies in force (any building)5,5775,368−3.7%

How many homes have flood insurance?

7.0%of all homes in Citrus County have an NFIP policy
39.3%of homes in high-risk zones (special flood hazard area) have one
78,835residential buildings counted by FEMA
12,092of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Citrus County, Florida have filed 7,078 flood claims. 6,235 received a payment, for a total of $384.8 million (an average of $61,712 per paid claim). The year with the most claims was 2024 (1,778 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801984: 31 claims1985: 174 claims, 138 paid, $780,450 in total1988: 26 claims, 20 paid, $95,523 in total19901992: 18 claims, 10 paid, $64,494 in total1993: 1,515 claims, 1,428 paid, $43,457,597 in total19931995: 99 claims, 78 paid, $343,693 in total1996: 742 claims, 648 paid, $10,768,295 in total1998: 63 claims, 50 paid, $281,884 in total20002003: 53 claims, 40 paid, $363,392 in total2004: 153 claims, 107 paid, $1,591,518 in total2005: 10 claims2006: 121 claims, 100 paid, $2,220,782 in total2008: 12 claims20102012: 49 claims, 34 paid, $844,867 in total2016: 1,060 claims, 899 paid, $50,436,220 in total20162017: 29 claims, 13 paid, $215,080 in total2018: 12 claims20202021: 32 claims, 19 paid, $1,041,690 in total2023: 994 claims, 906 paid, $100,005,403 in total2024: 1,778 claims, 1,674 paid, $171,703,076 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,7781,674$171,703,076$102,571
2023994906$100,005,403$110,381
20213219$1,041,690$54,826
201812<10––
20172913$215,080$16,545
20161,060899$50,436,220$56,103
20124934$844,867$24,849
200812<10––
2006121100$2,220,782$22,208
200510<10––
2004153107$1,591,518$14,874
20035340$363,392$9,085
19986350$281,884$5,638
1996742648$10,768,295$16,618
19959978$343,693$4,406
19931,5151,428$43,457,597$30,432
19921810$64,494$6,449
19882620$95,523$4,776
1985174138$780,450$5,655
198431<10––

From 2016 to 2026: 3,905 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Citrus County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Citrus County (4,074 home policies) · Crystal River (600 home policies) · Inverness (84 home policies)