Hernando County
Florida — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 88th
Hernando County faces medium composite natural disaster risk (NRI Risk Index score 88.0, 88th national percentile), driven primarily by hurricane and lightning exposure. Expected annual loss across all 18 hazard types is $60M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hurricane | High | 0.27 / yr | $25M |
| Lightning | High | 93.02 / yr | $1M |
| Tornado | High | 0.57 / yr | $7M |
| Wildfire | Low | 0.00 / yr | $870K |
| Riverine Flood | Medium | 0.89 / yr | $23M |
| Heat Wave | Low | 2.81 / yr | $1M |
| Coastal Flood | Medium | 3.69 / yr | $1M |
| Strong Wind | Medium | 1.00 / yr | $775K |
| Cold Wave | Low | 3.38 / yr | $456K |
| Landslide | Very Low | 0.06 / yr | $396 |
| Earthquake | Very Low | 0.00 / yr | $65K |
| Drought | Very Low | 16.77 / yr | $3K |
| Hail | Very Low | 1.98 / yr | $32K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Ice Storm | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
| Winter Weather | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Hernando County?
Hernando County has a composite FEMA National Risk Index score of 88.0 out of 100, placing it in the Medium category and the 88th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hernando County?
The three highest-rated hazards are Hurricane (High, $25M EAL), Lightning (High, $1M EAL), Tornado (High, $7M EAL). These account for most of the county's expected annual losses.
How does Hernando County compare to other Florida counties?
Hernando County ranks #34 of 67 Florida counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Hernando County's $60M EAL is a statistical average, not a guarantee for any specific year or address.