FloodMaps
Map of FEMA flood zones in Hernando CountyTap the map to explore

County · Flood risk

Check any address in Hernando County

Quick facts

Homes on the tax roll

86,530

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Jan 2021

First flood map 1984

Flood insurance discount

25% off

Hernando County, Community Rating System Class 5

Most flood claims in one storm

802

Hurricane Helene 2024, 720 paid

Homes with water, FEMA aid

1,106

Aid registrations reporting water inside, Hurricane Helene 2024

Sinkhole reports

314

36 confirmed by the state

Past storms in Hernando County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Hernando County
StormClaimsPaidAid, water inside
Hurricane Hermine 2016224195163
Hurricane Irma 20177150461
Hurricane Idalia 2023284249369
Hurricane Helene 20248027201,106
Hurricane Milton 2024220183720

Frequently asked questions

Do I need flood insurance in Hernando County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Hernando County took effect on January 15, 2021. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Hernando County last updated?

The flood map in effect for Hernando County took effect on January 15, 2021. The county's first flood map dates to April 17, 1984.

Is there a flood insurance discount in Hernando County?

Hernando County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Hernando County the most?

By National Flood Insurance Program claims across Hernando County, the worst recent storms were Hurricane Helene 2024 (802 claims, 720 paid), Hurricane Idalia 2023 (284 claims, 249 paid), and Hurricane Hermine 2016 (224 claims, 195 paid). After Hurricane Helene 2024, 1,106 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Hernando County?

The Florida Geological Survey has 314 subsidence reports on file for Hernando County, 36 of them confirmed as true sinkholes. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Hernando County is on the Gulf north of Tampa, with Hernando Beach on the coast and Brooksville inland.

Hernando County has about 86,500 homes on the state tax roll. The FEMA flood map in effect for Hernando County took effect on January 15, 2021; the county's first flood map dates to 1984. The storm that left the most flood insurance claims in the county was Hurricane Helene 2024, with 802, followed by Hurricane Idalia 2023 with 284. Hernando County is in FEMA's Community Rating System at Class 5, which takes 25% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Tampa Bay area are Hurricane Hermine 2016, Hurricane Irma 2017, Tropical Storm Eta 2020, Hurricane Ian 2022, Hurricane Idalia 2023, Hurricane Debby 2024, Hurricane Helene 2024, and Hurricane Milton 2024.

Search any address in Hernando County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (final values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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