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Flood insurance cost · Hernando County, FL

Flood insurance cost in Hernando County, Florida

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,573 home policies in force on August 31, 2026.

Hernando County, FloridaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$845a year

Half of insured homes paid between $614 and $1,659. That is 17% less than the Florida median ($1,017). Most insured homes here are rated in zone AE (55%).

$0$614 · $845 · $1,659$2,074
+4.1% vs Aug 31, 2025 (median $812)
3,573home policies in force
$1,663average cost (mean)
58%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Hernando County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$4,999$3,787–$6,209$5,13865 (2%)+10.5%
Zone AE
High risk		$1,230$767–$3,584$2,3041,954 (55%)+6.1%
Zone A
High risk		$768$610–$954$84050 (1%)+3.9%
Zone AH
High risk, shallow		$576$476–$673$58611 (0%)+6.7%
Zone X
Moderate to low risk		$655$532–$825$7091,493 (42%)−0.5%

Not shown (fewer than 10 home policies): AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Hernando County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,220$838$1,719
2–4 unit building17$800$852
Manufactured (mobile) home321$889$1,207
Condo or apartment unit15$430$487
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		103$2,074$3,415

Not shown (fewer than 10 policies): whole residential building (5+ units or condo association).

3,680NFIP policies in force, any building
3,680insured units (condo association policies count every unit)
69%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Hernando County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force3,5953,573−0.6%
Median annual cost$812$845+4.1%
Average annual cost$1,555$1,663+6.9%
All policies in force (any building)3,7093,680−0.8%

How many homes have flood insurance?

4.8%of all homes in Hernando County have an NFIP policy
53.9%of homes in high-risk zones (special flood hazard area) have one
84,652residential buildings counted by FEMA
4,770of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Hernando County, Florida have filed 3,252 flood claims. 2,761 received a payment, for a total of $138.7 million (an average of $50,233 per paid claim). The year with the most claims was 2024 (1,061 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801985: 113 claims, 88 paid, $561,109 in total19901993: 830 claims, 757 paid, $22,952,113 in total19931995: 10 claims1996: 223 claims, 200 paid, $2,545,259 in total1997: 35 claims, 25 paid, $338,758 in total1998: 29 claims, 16 paid, $106,459 in total20002004: 117 claims, 82 paid, $1,439,492 in total20102012: 80 claims, 55 paid, $1,447,629 in total2013: 19 claims, 14 paid, $492,246 in total2016: 237 claims, 201 paid, $8,039,703 in total2017: 77 claims, 54 paid, $1,301,960 in total20202023: 292 claims, 254 paid, $16,619,306 in total20232024: 1,061 claims, 943 paid, $81,979,560 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241,061943$81,979,560$86,935
2023292254$16,619,306$65,430
20177754$1,301,960$24,110
2016237201$8,039,703$39,999
20131914$492,246$35,160
20128055$1,447,629$26,321
200411782$1,439,492$17,555
19982916$106,459$6,654
19973525$338,758$13,550
1996223200$2,545,259$12,726
199510<10––
1993830757$22,952,113$30,320
198511388$561,109$6,376

From 2016 to 2026: 1,667 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Hernando County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Hernando County (3,485 home policies) · Brooksville (82 home policies)