Flood Claims Map

Florida

Flood insurance claims in Hernando County, Florida

FEMA records 3,245 National Flood Insurance Program claims in Hernando County, Florida, since 1978, with $138.4 million paid in total. The year with the most claims was 2024, with 1,058. As of 3 August 2026, 4.8% of homes here had an NFIP policy, and 53.9% of homes in the high-risk flood zone did.

NFIP claims on record3,245
Total paid$138.4 million
Claims with a payment2,755
Homes with NFIP policy4.8%
High-risk zone homes insured53.9%
Residential policies in force4,089

Claims by year of loss

1978: 419781979: 81980: 01981: 01982: 719821983: 81984: 71985: 1111986: 019861987: 41988: 61989: 01990: 019901991: 01992: 51993: 8301994: 219941995: 101996: 2231997: 351998: 2919981999: 32000: 22001: 72002: 920022003: 82004: 1172005: 32006: 120062007: 22008: 02009: 32010: 120102011: 92012: 802013: 192014: 420142015: 82016: 2372017: 772018: 420182019: 12020: 12021: 52022: 420222023: 2912024: 1,0582025: 12026: 120261,058

NFIP claims by year of loss, Hernando County, Florida

1978: $1,01319781979: $19,6761980: $01981: $01982: $12,78619821983: $8,3731984: $18,2071985: $544,4471986: $019861987: $19,9001988: $110,1751989: $01990: $019901991: $01992: $5,0001993: $23.0 million1994: $22,00019941995: $81,3511996: $2.5 million1997: $338,7581998: $106,45919981999: $3,3732000: $2002001: $30,4942002: $17,52520022003: $34,5682004: $1.4 million2005: $2,4972006: $2,07020062007: $3,8912008: $02009: $40,5912010: $020102011: $18,9812012: $1.4 million2013: $492,2462014: $020142015: $34,9452016: $8.0 million2017: $1.3 million2018: $7,02520182019: $02020: $02021: $361,3622022: $020222023: $16.5 million2024: $81.8 million2025: $02026: $02026$81.8 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Hernando County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene827
Blizzard of 1993815
Hurricane Idalia284
Hurricane Hermine224
Hurricane Josephine221
Hurricane Milton220
Hurricane Elena108
Tropical Storm Debby73

ZIP codes with the most claims

ZIP code (as reported)Claims
346072,530
33523268
34601123
3460248
3359742
3467941
3460629
3461326
3460925
3460422

2,989 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $116.7 million, contents $21.2 million, increased cost of compliance $571,897.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,7702,57253.9%
All homes84,6524,0894.8%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.