Substantial Damage Determinations from Hurricane Idalia

By Meaghan Goepferich Posted on October 31, 2023

Tuesday, October 31, 2023 Following Hurricane Idalia, the City of Crystal River hired AtkinsRealis to conduct substantial damage estimates on all the buildings in the city.

Substantial Damage Determinations from Hurricane Idalia

As a participant in the National Flood Insurance Program, the city is required to execute this assessment to remain in compliance with the program, which provides for lower flood insurance premiums for property owners within the city limits.

A building is considered substantially damaged when the cost to repair the damage is equal to or greater than 50% of the building’s value. When this is the case, the property must be brought into compliance with the current city building code and the city floodplain ordinance. The floodplain ordinance requires that the building be elevated so that the bottom floor is above the base flood elevation for the area.
Certified letters were mailed on October 27, 2023, to the owners of those properties that have been
determined to be substantially damaged from Hurricane Idalia.

Owners of properties that were flooded but were not substantially damaged will also receive a letter
informing them of this fact. Instructions on steps to take in both situations will be included in these letters. Please allow 7 days to receive your determination letter. Questions regarding the determination at your property can be directed to Growth Management at 352-220-0809.
For more information on the City of Crystal River, visit the City’s website,, or follow
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