Property Atlas

County hazard profile

Hernando, FL

Florida · pop. 194,448 · FIPS 12053

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$60M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Hernando $60M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 87.98/100
national median ~50 higher than 88% of counties
Social vulnerabilityRelatively Moderate 56.49/100
national median ~50 near the national middle (56th percentile)
Community resilienceVery Low 6.08/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hernando

The National Flood Insurance Program has paid 3,243 flood-insurance claims totaling $137.9M in Hernando since 1978. The costliest year was 2024 ($81.3M paid).

Flood-insurance dollars paid by year of loss

1978: $1,013 paid 1979: $19,676 paid 1982: $12,786 paid 1983: $8,373 paid 1984: $18,207 paid 1985: $544,447 paid 1987: $19,900 paid 1988: $110,175 paid 1992: $5,000 paid 1993: $22,952,113 paid 1994: $22,000 paid 1995: $81,351 paid 1996: $2,545,259 paid 1997: $338,758 paid 1998: $106,459 paid 1999: $3,373 paid 2000: $200 paid 2001: $30,494 paid 2002: $17,525 paid 2003: $34,568 paid 2004: $1,439,492 paid 2005: $2,497 paid 2006: $2,070 paid 2007: $3,891 paid 2009: $40,591 paid 2010: $0 paid 2011: $18,981 paid 2012: $1,447,629 paid 2013: $492,246 paid 2014: $0 paid 2015: $34,945 paid 2016: $8,039,703 paid 2017: $1,301,960 paid 2018: $7,025 paid 2019: $0 paid 2020: $0 paid 2021: $361,362 paid 2022: $0 paid 2023: $16,476,518 paid 2024: $81,320,681 paid 2025: $0 paid 2024 · $81.3M 1978 2025
$137.9M
total paid
$42,510
average claim
$500K
largest single claim
92%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Hernando, FL and where it ranks among U.S. counties. It is not a verdict on whether Hernando is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.