Black Diamond’s biggest natural hazard is hurricanes
Most of the natural-hazard damage FEMA expects in Black Diamond comes from hurricanes, and overall the risk is very high for a U.S. community.
What stands out about Black Diamond’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Black Diamond flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Black Diamond. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Black Diamond isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Citrus County.How exposed is Black Diamond?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 95% of U.S. communities, mostly from hurricanes and inland flooding.
Rated higher than 914 of the 957 Florida towns we cover.
Black Diamond is smaller than a census tract, so it shares the figures of the tract around its center.
What Black Diamond faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Hurricanes
Inland flooding
Federal disasters declared here
None of the disasters declared for Citrus County shows FEMA aid or repair money reaching Black Diamond itself in FEMA’s records.
Citrus County has had 34 natural disasters declared since 1953, most often hurricanes and severe storms.
Get ready for what Black Diamond actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Black Diamond and its neighbors
Black Diamond ranks 2nd calmest of 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Black Diamond | Very high | hurricanes | 0 |
| Pine Ridge | Very high | hurricanes | 0 |
| Lecanto | Very high | hurricanes | 0 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Citrus County’s 34 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
- Compared by rate. “Higher than N%” compares yearly damage as a share of what’s there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Black Diamond’s own flood-insurance community; household aid to the registrant’s city; repair grants to Black Diamond.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Black Diamond.
Your answer becomes a post in Town Square.
Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau. Preparedness tips: Ready.gov. An average of past damage, not a forecast.