Natural hazards · Pine Ridge

Pine Ridge, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pine Ridge comes from hurricanes, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Ridge?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Ridge to be higher than in 95% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes75%Inland flooding17%Everything else7%

By hazard

What Pine Ridge faces

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

Hurricanes

75% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

17% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Ice 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 Pine Ridge flood?

FEMA's records show no paid flood insurance claims in Pine Ridge.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pine Ridge 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.

Disasters that hit Pine Ridge

3 federal disasters brought FEMA money here

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

Brought FEMA money into Pine RidgeDeclared for Citrus County only

2024

Hurricane Milton

2 households applied for aid

2024

Hurricane Helene

1 household applied for aid

2017

Hurricane Irma

1 household applied for aid

Citrus County has had 34 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Pine Ridge

Pine Ridge and the towns around it

Very lowLowModerateHighVery high

Hernandomostly hurricanesVery high

Pine Ridgemostly hurricanesVery high

Beverly Hillsmostly hurricanesVery high

Black Diamondmostly hurricanesVery high

Citrus Hillsmostly hurricanesVery high

Citrus Springsmostly hurricanesVery high

Lecantomostly hurricanesVery high

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. Pine Ridge covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Pine Ridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to Pine Ridge. 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 Pine Ridge total about $11.3M 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.