Natural hazards · Crystal Springs

Crystal Springs, FL natural hazards

Most of the natural-hazard damage FEMA expects in Crystal Springs comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2024. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Crystal Springs?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crystal Springs to be higher than in 78% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding48%Hurricanes33%Tornadoes12%Everything else8%
By hazard

What Crystal Springs faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

48% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

33% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Tornadoes

12% of expected damage
Above average · higher than 69% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Crystal Springs flood?

Every paid claim on a federal flood insurance policy in Crystal Springs, from FEMA’s records.

2paid claims since 2024
$254Kpaid to owners
0homes flooded more than once
20242026

Biggest named events

  • Hurricane Milton: 2 claims, $254K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Crystal Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pasco County.
Disasters that hit Crystal Springs

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Crystal Springs itself: aid to households, or repair grants to Crystal Springs.

Brought FEMA money into Crystal SpringsDeclared for Pasco County only
2024

Hurricane Milton

3 households applied for aid
2024

Hurricane Helene

1 household applied for aid
2022

Hurricane Ian

2 households applied for aid
2017

Hurricane Irma

12 households applied for aid $2K aid approved
2016

Hurricane Hermine

1 household applied for aid
2004

Hurricane Jeanne

17 households applied for aid $32K aid approved
2004

Hurricane Frances

4 households applied for aid $3K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

2 households applied for aid $3K aid approved
Pasco County has had 38 natural disasters declared since 1953, most often hurricanes and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’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 here, so a big city isn’t rated riskier just for having more buildings. Crystal Springs covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Crystal Springs’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Crystal Springs. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Crystal Springs total about $842K a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01