Hernando, FL natural hazards
Most of the natural-hazard damage FEMA expects in Hernando comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 2017. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Hernando?
FEMA expects yearly storm and flood damage to homes and buildings in Hernando to be higher than in 96% of U.S. communities, mostly from hurricanes and inland flooding.
What Hernando faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Lower here
Not a risk here
Does Hernando flood?
Every paid claim on a federal flood insurance policy in Hernando, from FEMA’s records.
Biggest named events
- Hurricane Milton: 4 claims, $127K
are insured
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Hernando itself: aid to households, or repair grants to Hernando.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Hurricane Jeanne
Hurricane Ivan
Hurricane Frances
Hernando and the towns around it
How to read this page
FEMA’s expected losses across Hernando 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.