Natural hazards · Sugarmill Woods

Sugarmill Woods, FL natural hazards

Most of the natural-hazard damage FEMA expects in Sugarmill Woods comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Sugarmill Woods?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sugarmill Woods to be higher than in 96% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes77%Inland flooding15%Everything else7%

By hazard

What Sugarmill Woods faces

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

Hurricanes

77% of expected damage

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

Recorded about once every 3 years in the area

Inland flooding

15% of expected damage

Below average · higher than 49% 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 Sugarmill Woods flood?

FEMA's records show no paid flood insurance claims in Sugarmill Woods.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sugarmill Woods 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 Sugarmill Woods

Federal disasters declared here

None of the disasters declared for Citrus County shows FEMA aid or repair money reaching Sugarmill Woods itself in FEMA’s records.

Brought FEMA money into Sugarmill WoodsDeclared for Citrus County only

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

Around Sugarmill Woods

Sugarmill Woods and the towns around it

Very lowLowModerateHighVery high

Sugarmill Woodsmostly hurricanesVery high

Homosassa 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. Sugarmill Woods covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Sugarmill Woods’s own flood-insurance community; household aid to the registrant’s city; repair grants to Sugarmill Woods. 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 Sugarmill Woods total about $9.8M 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.