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Risk: Relatively Moderate

Hernando County, FL Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by hurricane. 226 storm events since 1996.

Expected yearly loss
$60.1M
Relatively Moderate nationally
Storm events since 1996
226
Most often thunderstorm wind
Flood insurance policies
4,089
4.8% of homes
Hurricanes nearby
9
22 tropical storms or stronger since 1873

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 88.0 of 100

Social vulnerability

Relatively Moderate

Score 56.5 of 100

Community resilience

Very Low

Score 6.1 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $28.8B · Agriculture value exposed: $26.3M · Risk-adjusted yearly loss: $74.1M

Risk by hazard

  • HurricaneRelatively High$24.5M/yr expected annual loss, about once every 4 years
  • LightningRelatively High$1.2M/yr expected annual loss, about 93 events a year
  • TornadoRelatively High$7M/yr expected annual loss, about once every 2 years
  • WildfireRelatively Low$870K/yr expected annual loss, about once every 287 years
  • Heat waveRelatively Low$1M/yr expected annual loss, about 2.8 events a year
  • Coastal floodingRelatively Moderate$1.3M/yr expected annual loss, about 3.7 events a year
  • Strong windRelatively Moderate$775K/yr expected annual loss, about once every 1 year
  • Cold waveRelatively Low$456K/yr expected annual loss, about 3.4 events a year
  • LandslideVery Low$396/yr expected annual loss, about once every 16 years
  • EarthquakeVery Low$65.2K/yr expected annual loss, about once every 2,632 years
  • DroughtVery Low$3,270/yr expected annual loss, about 17 events a year
  • HailVery Low$32K/yr expected annual loss, about 2.0 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, ice storm, riverine flooding, tsunami, volcanic activity, winter weather.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
4,089 of 84,652 (4.8%)
Homes in high-risk flood zones
4,770
Insured in high-risk zones
2,572 (54%)
Flood claims since 1978
3,245
Claims paid since 1978
$138M

Flood claims paid per year

Flood claims paid per year in Hernando County
  • Hurricane Helene$65.6M · 827 claims
  • Blizzard of 1993$22.7M · 815 claims
  • Hurricane Idalia$16.3M · 284 claims
  • Hurricane Milton$16.1M · 220 claims
  • Hurricane Hermine$8M · 224 claims
  • Hurricane Josephine$2.5M · 221 claims

Storm history

Since 1996: 226 events, 2 deaths, $21M in damage

  • Thunderstorm Wind106 · 2 deaths
  • Hail23
  • Flood22
  • Tropical Storm18
  • Tornado17
  • Lightning17
  • Heavy Rain8
  • Waterspout4
  • Flash Flood3
  • Storm Surge/Tide3

Events per year

Storm events per year in Hernando County
3
9
1
3
12
6
4
10
6
5
3
4
4
2
15
3
6
2
2

36 tornadoes on record (EF0 2, EF1 2, F0 25, F1 7).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Thunderstorm Wind43 kt wind04/11/2021

    Berkeley, Hernando County

    1 death, $13K damage

    What happened

    Broadcast media confirmed a weather related fatality on Evenglow Avenue near Hyacinth Lane in Spring Hill when a vehicle crashed into a power pole downed by a fallen tree, causing the car to catch on fire, and the occupant was electrocuted when they stepped on a live power line as they attempted to exit the vehicle.

  • Thunderstorm Wind40 kt wind06/17/2014

    Lake Lindsey, Hernando County

    1 death, $10K damage

    What happened

    A large tree branch fell on a moving vehicle causing the driver to lose control and crash resulting in his death. Heavy rain and quarter sized hail was reported also with this storm at the time of the crash.

  • Storm Surge/Tide09/02/2016

    Coastal Hernando

    $7.8M damage

    What happened

    In Hernando County, storm surge generally ranged from 4 to 6 feet above normal high tide. Damage was estimated at $7,800,000, with 128 properties with minor damage, and 65 with major damage. The storm tide flooded roads and stranded about 975 households in the Hernando Beach community, some of which called 911 to be rescued.

  • Flood09/11/2017

    Croom, Hernando County

    $5M damage

    What happened

    Heavy rains from Hurricane Irma caused the Withlacoochee River at Trilby to rise above flood stage on the 11th, with flooding continuing through the rest of the month. The water level crested at 17.67 feet on September 21st, 1.17 feet above the major flooding threshold. This marks the 5th highest river crest on record for the Withlacoochee River at Trilby.||Farther upstream on the Withlacoochee River, flooding begin at Croom on the 13th and continued through the rest of the month. The river level crested at 11.27 feet on the 22nd, 0.47 feet above the moderate flood stage.||The flood waters entered numerous homes, with Hernando County reporting that 4000 residents were impacted by the flooding. Flood damage to homes was estimated at $5 million.

  • Flood12/18/1997

    Brooksville, Hernando County

    $1.5M damage

    What happened

    The Withlacoochee River at Croom crested at 10.9 feet, nearly two feet above the flood stage of nine feet on the 31st. Several homes along Hernando-Pasco county line, from Croom south to Ridge Manor, were damaged by floodwaters. The most heavily damaged areas were near County Road 575 and U.S. Highway 301 at the Talisman Estates along the eastern Pasco-Hernando county line. Fifty-four homes were damaged by floodwaters of which ten were destroyed and another 27 incurred major damage.

  • Tropical Storm09/11/2017

    Inland Hernando

    $1.2M damage

    What happened

    In inland portions of Hernando County, winds from Hurricane Irma were estimated to be around 34 to 50 knots based on surrounding observations. Rainfall was generally around 6 inches or greater. The wind resulted in damage to numerous homes and businesses, as well as knocking over trees and power lines. Hernando County Emergency Management reported that 26 homes or businesses were destroyed by Irma, 45 sustained major damage, 103 had minor damage, and an additional 112 were affected throughout the county.||The total property damage in Hernando County was estimated at $6.1 million, including $800,000 in individual assistance claims and $5.3 million in public assistance claims. Roughly $600,000 of that was estimated to be caused by wind damage in inland portions of Hernando County. Additionally, crop damage to citrus plants in Hernando County was roughly estimated at $600,000.

Drinking water

15 community water systems serve about 169,901 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

  • Hernando Co Utl-WestServes 145,204 · Groundwater · Local governmentNo health violations+19 monitoring or reporting
  • Brooksville City ofServes 11,500 · Groundwater · Local governmentNo health violations+19 monitoring or reporting
  • Hernando Co Utl-EastServes 9,483 · Groundwater · Local governmentNo health violations+11 monitoring or reporting
  • Hernando Co Utl-Dogwood EstServes 832 · Groundwater · Local governmentNo health violations+15 monitoring or reporting
  • Wesleyan VillageServes 488 · Groundwater · PrivateNo health violations+18 monitoring or reporting
  • Camp-A-Wyle Lake ResortServes 400 · Groundwater · PrivateNo health violations+22 monitoring or reporting
  • Camper's HolidayServes 400 · Groundwater · PrivateNo health violations+45 monitoring or reporting
  • Hernando Co Utl-Cedar LnServes 372 · Groundwater · Local governmentNo health violations+14 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Brooksville Chin Hill, 4.5 mi from the county center

Summer highs peak around 91°F in Jul and winter lows bottom out near 49°F in Jan. About 51.9 inches of rain falls in a typical year.

MonthHighLowRain
Jan71°F49°F2.96 in
Feb74°F51°F2.88 in
Mar78°F55°F3.38 in
Apr83°F60°F2.71 in
May88°F66°F3.24 in
Jun90°F71°F8.06 in
Jul91°F73°F8.55 in
Aug90°F73°F7.64 in
Sep89°F71°F5.99 in
Oct84°F65°F2.49 in
Nov78°F56°F1.83 in
Dec73°F51°F2.21 in
Year72°F average51.9 in

Pollution sites

0 Superfund sites and 7 toxic release facilities in Hernando County

Superfund sites

None in this county.

Toxic release facilities

Total: 35,431 lbs in 2024, 35,431 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Hernando County for natural disasters?
FEMA rates Hernando County relatively moderate for overall natural hazard risk, with expected losses of $60.1M a year. The highest-rated hazards are hurricane (relatively high), lightning (relatively high), tornado (relatively high).
What storms are most common in Hernando County?
Since 1996, NOAA recorded 226 storm events affecting Hernando County, most often thunderstorm wind (106), hail (23), flood (22).
How many tornadoes have hit Hernando County?
36 tornadoes have been recorded in Hernando County since 1950.
How many homes in Hernando County have flood insurance?
4,089 residential flood insurance policies are in force in Hernando County, covering about 4.8% of homes. The program has paid $138M on 3,245 claims here since 1978.
What is the weather like in Hernando County?
At Brooksville Chin Hill, average highs reach 91°F in Jul and lows fall to 49°F in Jan, with 51.9 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.