Natural hazards · Brooksville

Brooksville, FL natural hazards

Most of the natural-hazard damage FEMA expects in Brooksville comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 62 claims here since 1979. 12 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Brooksville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Brooksville to be higher than in 56% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes48%Inland flooding32%Tornadoes14%Everything else6%

By hazard

What Brooksville faces

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

Hurricanes

48% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

32% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 70% of U.S. places

Lower here

HailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Brooksville flood?

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

62paid claims since 1979

$1.8Mpaid to owners

3homes flooded more than once

19792026

Biggest named events

Blizzard of 1993: 17 claims, $372K
Hurricane Elena: 12 claims, $80K
Hurricane Milton: 7 claims, $820K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Brooksville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hernando County.

What’s been done with FEMA grants

15homes raised above flood level

12buildings retrofitted against wind

6flood-prone properties bought out and cleared

Disasters that hit Brooksville

12 federal disasters brought FEMA money here

Disasters the President declared that paid out in Brooksville itself: aid to households, or repair grants to the City of Brooksville.

Brought FEMA money into BrooksvilleDeclared for Hernando County only

2024

Hurricane Milton

6,607 households applied for aid $7.0M aid approved $37K to the City of Brooksville for repairs

2024

Hurricane Helene

1,851 households applied for aid $2.6M aid approved

2023

Hurricane Idalia

631 households applied for aid $756K aid approved $23K to the City of Brooksville for repairs

2022

Hurricane Ian

3 households applied for aid

2017

Hurricane Irma

7,538 households applied for aid $3.6M aid approved $299K to the City of Brooksville for repairs

2016

Hurricane Hermine

55 households applied for aid $44K aid approved $14K to the City of Brooksville for repairs

2012

Tropical Storm Debby

1,122 households applied for aid $1.5M aid approved $16K to the City of Brooksville for repairs

2008

Tropical Storm Fay

$2K to the City of Brooksville for repairs

2004

Hurricane Jeanne

1,124 households applied for aid $1.2M aid approved $145K to the City of Brooksville for repairs

2004

Hurricane Frances

1,166 households applied for aid $1.3M aid approved $240K to the City of Brooksville for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

$26K to the City of Brooksville for repairs

2003

Severe Storms and Flooding

$6K to the City of Brooksville for repairs

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

Around Brooksville

Brooksville and the towns around it

Very lowLowModerateHighVery high

South Brooksvillemostly inland floodingHigh

Brooksvillemostly hurricanesModerate

North Brooksvillemostly hurricanesModerate

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. Brooksville covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Brooksville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Brooksville. 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 Brooksville total about $3.1M 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.