Hernando County, Florida: hazard risk
FEMA rates Hernando County's overall risk Relatively Moderate (score 88.0 of 100, higher than 87% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by hurricane, lightning, tornado. Its storm record holds 465 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively High | 96.1 | $25M |
| Lightning | Relatively High | 93.0 | $1.2M |
| Tornado | Relatively High | 91.8 | $7.0M |
| Riverine Flooding | Relatively Moderate | 85.6 | $23M |
| Coastal Flooding | Relatively Moderate | 74.2 | $1.3M |
| Strong Wind | Relatively Moderate | 68.1 | $775K |
| Wildfire | Relatively Low | 88.0 | $870K |
| Heat Wave | Relatively Low | 76.1 | $1.0M |
| Cold Wave | Relatively Low | 35.6 | $456K |
| Landslide | Very Low | 35.5 | $396 |
| Earthquake | Very Low | 30.2 | $65K |
| Drought | Very Low | 19.8 | $3K |
| Hail | Very Low | 11.7 | $32K |
| Winter Weather | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 151 | 2 | $3.2M | 18th of 67 | 943rd of 3,080 |
| Extreme cold | 93 | 0 | $2.3M | 2nd of 67 | 52nd of 3,076 |
| Tornadoes | 36 | 0 | $3.6M | 27th of 67 | 263rd of 3,080 |
| Hurricanes and tropical storms | 35 | 0 | $73M | 7th of 67 | 88th of 1,849 |
| Floods | 29 | 0 | $11M | 17th of 67 | 1280th of 3,080 |
| Hail | 28 | 0 | – | 38th of 67 | 2359th of 3,080 |
| Lightning | 17 | 0 | $1.3M | 24th of 67 | 206th of 3,080 |
| Heavy rain | 8 | 0 | $9K | 22nd of 67 | 546th of 3,080 |
| High wind and dust storms | 4 | 0 | $18K | 12th of 67 | 2446th of 3,080 |
| Wildfires | 4 | 0 | $3K | 27th of 67 | 326th of 2,972 |
| Winter storms | 1 | 0 | – | 35th of 67 | 3032nd of 3,077 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hernando County record: every hazard by year and month, the deadliest events and FEMA's declarations.