Tampa Bay and the Nature Coast
Hernando County property records and hazards
Hernando County is home to about 218,200 people, and FEMA counts $28.8 billion in buildings there. FEMA's National Risk Index rates its overall natural-hazard risk "Relatively Moderate", higher than 87% of U.S. counties. For property, the costliest hazards here are inland flooding, hurricanes and tornadoes: together about $47.4 million of expected building damage a year. Its incorporated city or town is Brooksville. 19 hurricanes have passed within 30 miles since 1851 and 3 made landfall on its coast.1
What Hernando County faces most
Ranked by FEMA's National Risk Index: the hazards expected to do the most damage to buildings in this county each year, with each hazard's FEMA risk rating. Sinkhole reports aren't part of FEMA's index; they're added from the Florida Geological Survey because they matter here.
- 1
Inland flooding
Relatively ModerateThe local numbers
- FEMA rates inland flooding risk in Hernando County "Relatively Moderate" (score 85.6 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $22.8 million a year, the 26th-highest expected building loss from this hazard of 67 counties in the state.1
- FEMA's index maps about 64 square miles of the county inside the 1%-annual-chance floodplain it uses for inland flooding.1
- 25 inland flood events in FEMA's record, about 0.9 a year.1
- 1 federal disaster declaration for flooding.2
What it means for a buyer or owner
Beyond the roughly 64 square miles of mapped floodplain in Hernando County, rain-driven flooding follows rivers, lakes, wetlands and canals, and it doesn't stop at the mapped lines: FEMA says more than 20% of flood insurance claims come from outside high-risk areas.
Ask whether the home has flooded or had a flood claim, and look at the lot's elevation in the report.
In your report: the Flood & hazard sheet · Guide: How to read a Florida flood zone
- 2
Hurricanes
Relatively HighThe local numbers
- FEMA rates hurricane risk in Hernando County "Relatively High" (score 96.1 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $22.4 million a year, the 31st-highest expected building loss from this hazard of 67 counties in the state.1
- 19 hurricanes passed within 30 miles of the county since 1851 (3 of them at Category 3 or stronger while nearby); counting tropical storms, 51 storms in all.3
- Hurricane landfalls on this county's coast: 3 since 1851, most recently Easy (1950) at Category 2, an unnamed storm (1945) at Category 1 and an unnamed storm (1878) at Category 2.3
- Strongest storm on record nearby: an unnamed storm (1896), at Category 3 strength (about 127 mph sustained) as it passed.3
- Most recent hurricanes nearby: Irma (2017), Category 1, Gladys (1968), Category 2 and Donna (1960), Category 1.3
- 20 federal disaster declarations for hurricanes have included the county.2
What it means for a buyer or owner
In Hernando County, hurricane wind and storm surge tend to arrive together, and the county has taken 3 direct hurricane landfalls. Wind is the part every property shares, so the roof and openings matter as much as the flood zone.
Ask for the roof's age and permit, any shutters or impact-rated windows, and a wind mitigation report.
In your report: the Storm history & wind sheet · Guide: Hurricanes, roofs and insurance
- 3
Tornadoes
Relatively HighThe local numbers
- FEMA rates tornado risk in Hernando County "Relatively High" (score 91.8 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $2.2 million a year, the 27th-highest expected building loss from this hazard of 67 counties in the state.1
- 29 tornadoes recorded in the county in FEMA's index (NOAA Storm Prediction Center records), about 0.6 a year.1
- 1 federal disaster declaration for tornadoes.2
What it means for a buyer or owner
With roughly 0.6 tornadoes a year on record, Hernando County sees mostly brief, narrow touchdowns, often spun up by tropical systems and spring squall lines, so damage is very local. The same roof-to-wall connections that resist hurricane wind help here.
Check the roof covering, any hurricane straps or clips, and the insurer's windstorm deductible.
In your report: the Hazards (FEMA National Risk Index) sheet
- 4
Coastal flooding and storm surge
Relatively ModerateThe local numbers
- FEMA rates coastal flooding risk in Hernando County "Relatively Moderate" (score 74.2 of 100, compared with every U.S. county).1
- Expected damage to buildings: about $1.1 million a year, the 23rd-highest expected building loss from this hazard of 67 counties in the state.1
- 8.0% of the county's building value ($2.3 billion) sits in FEMA's coastal flood hazard areas.1
- 3 tropical-storm or hurricane landfalls on this stretch of coast since 1851.3
What it means for a buyer or owner
With 8.0% of Hernando County's building value in FEMA's coastal flood areas, check three things before you buy: the flood zone (VE and Coastal A zones carry the strictest building rules), the ground and floor height against the base flood elevation, and the storm-surge evacuation zone.
In your report: the Storm surge sheet · Guide: How to read a Florida flood zone
- 5
Sinkholes and ground subsidence
Not in FEMA's indexThe local numbers
- 315 subsidence incident reports filed with the Florida Geological Survey from 1968 to 2026; 36 of them confirmed as true sinkholes.4
- Most reports list Spring Hill (133), Brooksville (50) and Springhill (6) as the nearest town.4
- That is 43.6 reports per 100 square miles, the 4th-highest report density of 67 counties in the state.4
- 29 of the reports were filed in 2015 or later.4
What it means for a buyer or owner
Parts of Hernando County sit on limestone, where dissolving rock can open sinkholes or cause slow settling; 315 reports have been filed here. FGS reports come from the public and most aren't field-checked, so they show where to look, not where it's safe.
Ask about prior sinkhole claims or repairs, look for cracks in walls and floors, and consider a geotechnical inspection for an older home.
In your report: the Earthquakes, faults & ground sheet
Rules that apply in every Florida county, from the building code and wind-mitigation discounts to flood insurance, seller flood disclosure and sinkhole coverage: Florida rules for buyers and owners.
Hurricanes near Hernando County
19 hurricanes have come within 30 miles of Hernando County since 1851; the busiest decade was the 1940s, with 5. The 12 most recent are listed, with the strength NOAA recorded as each passed.3
| Year | Storm | Strength nearby | Closest approach | |
|---|---|---|---|---|
| 2017 | Irma | Category 1 | inside the county | |
| 1968 | Gladys | Category 2 | inside the county | |
| 1960 | Donna | Category 1 | 25 mi | |
| 1950 | Easy | Category 3 | inside the county | Landfall here |
| 1949 | Unnamed | Category 1 | inside the county | |
| 1946 | Unnamed | Category 1 | inside the county | |
| 1945 | Unnamed | Category 1 | 22 mi | |
| 1945 | Unnamed | Category 1 | inside the county | Landfall here |
| 1944 | Unnamed | Category 1 | 5 mi | |
| 1928 | Unnamed | Category 1 | 1 mi | |
| 1921 | Unnamed | Category 3 | inside the county | |
| 1896 | Unnamed | Category 3 | 26 mi |
Federal disaster declarations
40 federal declarations have included Hernando County since 1968, 23 of them major disasters. By type: 20 hurricane, 6 severe storm, 5 tropical storm, 3 freezing, 2 biological, 2 fire, 1 flood and 1 tornado.2
Most recent
- 2024, Hurricane Milton (major disaster)
- 2024, Hurricane Milton (emergency)
- 2024, Hurricane Helene (major disaster)
- 2024, Tropical Storm Helene (emergency)
- 2024, Hurricane Debby (major disaster)
- 2024, Tropical Storm Debby (emergency)
All FEMA hazards for Hernando County
Every hazard FEMA scores here, costliest for buildings first.1
| Hazard | FEMA risk rating | Risk score (0-100) | Expected building loss a year | Rank in the state |
|---|---|---|---|---|
| Inland flooding | Relatively Moderate | 85.6 | $22.8 million | 26 of 67 |
| Hurricanes | Relatively High | 96.1 | $22.4 million | 31 of 67 |
| Tornadoes | Relatively High | 91.8 | $2.2 million | 27 of 67 |
| Coastal flooding and storm surge | Relatively Moderate | 74.2 | $1.1 million | 23 of 67 |
| Wildfire | Relatively Low | 88.0 | $758,000 | 32 of 67 |
| Strong wind | Relatively Moderate | 68.1 | $418,000 | 32 of 67 |
| Lightning | Relatively High | 93.0 | $71,000 | 31 of 67 |
| Cold waves | Relatively Low | 35.6 | $46,000 | 21 of 67 |
| Earthquakes | Very Low | 30.2 | $46,000 | 46 of 67 |
| Hail | Very Low | 11.7 | $10,000 | 36 of 67 |
| Landslides | Very Low | 35.5 | $392 | 26 of 67 |
| Heat waves | Relatively Low | 76.1 | $55 | 32 of 67 |
| Drought | Very Low | 19.8 | $0 | n/a |
| Winter weather | No Rating | 0.0 | $0 | n/a |
Local property economy
Hernando County had about 218,150 residents in 2024. Its largest groups of self-employed businesses are transportation and warehousing (3,136), administrative and support and waste management (2,643) and construction (2,240). The table counts businesses with no employees, the sole proprietors behind much of the local real estate and building trade.5
| Businesses with no employees | Hernando | Per 1,000 residents | Florida per 1,000 |
|---|---|---|---|
| All self-employed businesses | 19,838 | 90.9 | 146.6 |
| Real estate, rental and leasing | 1,705 | 7.8 | 15.4 |
| Real estate (agents, brokers, landlords, managers) | 1,651 | 7.6 | 14.8 |
| Construction | 2,240 | 10.3 | 14.5 |
| Residential building construction | 736 | 3.4 | 4.7 |
Area profile
Census figures for Hernando County next to Florida and the U.S. (ACS 2020-2024 5-year estimates; ± is the margin of error). Source: U.S. Census Bureau, American Community Survey (opens in a new tab).
| Measure | Hernando County | Florida | U.S. |
|---|---|---|---|
| Population | 207,018 | 22,416,077 | 334,922,499 |
| Median household income | $66,058 ±$1,730 | $74,568 | $80,734 |
| Per-capita income | $34,458 ±$1,187 | $42,609 | $44,673 |
| People below the poverty level | 11.7% ±1.1% | 12.6% | 12.5% |
| Adults 25+ with a bachelor's degree or higher | 21.1% ±1.0% | 34.1% | 35.7% |
| Median home value (owner-occupied) | $276,000 ±$5,212 | $359,000 | $332,700 |
| Median gross rent | $1,298 ±$66 | $1,669 | $1,413 |
| Homes that are owner-occupied | 82.5% ±0.9% | 67.6% | 65.2% |
| Housing units vacant | 10.9% ±0.9% | 14.7% | 10.1% |
| Median year built | 1991 ±1 | 1988 | 1980 |
| Median age | 47.7 ±0.3 | 42.6 | 38.9 |
| Average household size | 2.5 ±0.0 | 2.5 | 2.5 |
| Mean travel time to work (minutes) | 31.4 ±1.3 | 28 | 26.4 |
Race and Hispanic origin (Census table B03002)
| Group | Hernando County | Florida | U.S. |
|---|---|---|---|
| Not Hispanic or Latino: White alone | 72.1% | 50.4% | 57.4% |
| Not Hispanic or Latino: Black or African American alone | 4.7% | 14.6% | 11.9% |
| Not Hispanic or Latino: American Indian and Alaska Native alone | 0.2% | 0.1% | 0.5% |
| Not Hispanic or Latino: Asian alone | 1.3% | 2.9% | 5.9% |
| Not Hispanic or Latino: Native Hawaiian and Other Pacific Islander alone | 0.1% | 0.1% | 0.2% |
| Not Hispanic or Latino: Some other race alone | 0.9% | 0.7% | 0.6% |
| Not Hispanic or Latino: Two or more races | 3.7% | 3.8% | 4.3% |
| Hispanic or Latino (of any race) | 17.0% | 27.4% | 19.3% |
These figures come from the U.S. Census Bureau. OnlineRecords.US doesn't rate, rank or recommend areas by who lives there, and none of these figures are used in any ranking on this page. This product uses Census Bureau data but is not endorsed or certified by the Census Bureau.
Official offices for Hernando County property records
The official word on any Hernando County parcel.6
Property appraiser
- Hernando County Property Appraiser (opens in a new tab) Ownership, values, exemptions and parcel maps.
- Parcel search (opens in a new tab)
Clerk / official records
- Hernando County Clerk of Court and Comptroller (opens in a new tab) Recorder of deeds, mortgages, liens and lis pendens.
- Official records search (opens in a new tab) Accept the site's disclaimer, then search
Tax collector
- Hernando County Tax Collector (opens in a new tab) Current and delinquent property tax bills.
Building department
- Hernando County Building Division (opens in a new tab) Online permit search.
Floodplain office
What our free report covers in Hernando County
Statewide data works for every Hernando County address: (verified on test reports ). Parcel, owner and legal description, assessed and just values, FEMA flood zone and ground elevation, evacuation zone and FEMA hazard ratings, storm history and estimated wind, storm surge and high-water marks, earthquakes, faults and sinkhole reports, environmental sites nearby and condo and HOA records link to the official source for now. For the county's own records, the report links to each office's search; none is automated and verified here yet unless marked.7
| County records | Status | Where to check |
|---|---|---|
| Recorded deeds, mortgages and liens (clerk) | Link to the official source | Official records search (opens in a new tab) |
| Property tax bill (tax collector) | Link to the official source | Hernando County Tax Collector (opens in a new tab) |
| Building permits | Link to the official source | Link-out to Hernando County Building Division (Tyler EnerGov). Hernando County Building Division (opens in a new tab) |
Neighboring counties
Hernando County borders Citrus County, Pasco County and Sumter County. On inland flooding, Hernando County ranks 2nd of 4 among itself and its neighbors; Pasco County is highest.8
| County | Costliest hazard for buildings | Overall FEMA rating | Expected building loss a year |
|---|---|---|---|
| Citrus County | Hurricanes | Relatively High | $99.7 million |
| Pasco County | Inland flooding | Relatively High | $164.8 million |
| Sumter County | Inland flooding | Relatively Moderate | $38.1 million |
Sources of information
- FEMA National Risk Index (county level) (opens in a new tab). release: December 2025; retrieved 2026-10-05.
- OpenFEMA Disaster Declarations Summaries (opens in a new tab). retrieved 2026-10-05.
- NOAA National Hurricane Center HURDAT2 (Atlantic) (opens in a new tab). storms through 2025; track within 30 miles of the county boundary while at tropical-storm strength or stronger; landfall points within 6 miles assigned to the nearest county; retrieved 2026-10-05.
- Florida Geological Survey subsidence incident reports (opens in a new tab). retrieved 2026-10-05.
- U.S. Census Bureau, 2024 Nonemployer Statistics and Vintage 2024 population estimates (opens in a new tab). retrieved 2026-10-05.
- onlinerecords.us county registry (official office links). retrieved 2026-10-05.
- onlinerecords.us coverage checks on test reports. retrieved 2026-10-05.
- U.S. Census Bureau county adjacency file (2024) (opens in a new tab). retrieved 2026-10-05.
Figures describe the county as a whole, not any one property. A free report shows the parcel's own flood zone, elevation, storm history and records.