Crystal River, FL natural hazards
Most of the natural-hazard damage FEMA expects in Crystal River comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1,962 claims here since 1978. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Crystal River?
FEMA expects yearly storm and flood damage to homes and buildings in Crystal River to be higher than in 98% of U.S. communities, mostly from hurricanes and coastal flooding.
What Crystal River faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Coastal flooding
Inland flooding
Lower here
Not a risk here
Does Crystal River flood?
Every paid claim on a federal flood insurance policy in Crystal River, from FEMA’s records.
Biggest named events
- Hurricane Helene: 500 claims, $55.8M
- Blizzard of 1993: 455 claims, $14.4M
- Hurricane Idalia: 309 claims, $32.5M
Homes that flooded again and again
Each house = 7 homes. ■ FEMA “severe repetitive loss” (112) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Crystal River itself: aid to households, or repair grants to the City of Crystal River.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Severe Storms and Flooding
Crystal River and the towns around it
How to read this page
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.