Floods can, and do, occur throughout Hernando County. Flood risks vary from property to property, even in the same neighborhood. It’s important to know your property’s risk of flooding to help you determine what kind of insurance to carry on the property and to help you prepare for severe weather. The Digital Flood Insurance Rate Map (DFIRM) is a series of detailed, digital flood hazard maps developed by Hernando County and SWFWMD that provides up-to-date, reliable, Internet-accessible information about flood risk on a property-by-property basis. You can visit www.hernandocounty.us/floodmap to help you determine the flood risks of a particular property. The Hernando County Development Department can provide more detailed information than shown on the DFIRM by using maps that complement and clarify the DFIRM related to flooding hazards outside of mapped areas, flood insurance issues and property protection measures, and other hazards that might occur. An elevation certificate provides the most accurate information specific to a single property. Copies of elevation certificates, if available for a specific property, are permanently kept on file in the Development Department and are available at NO COST. DFIRM maps and reference materials on flooding and other hazards are available in the Emergency Management Office and at the Public Library.
As of 10/1/15 Hernando County is rated as a Class 5 community by the Insurance Services Office (ISO), which is part of the National Flood Insurance Program (NFIP). This rating qualifies Hernando County property owners in the SFHA up to a 25% premium reduction on flood insurance policies. Non SFHA policy holders will receive up to a 10% discount on flood insurance policies.
If you have questions or need additional information please contact the Hernando County Development Department at (352) 754-4050 or Hernando County Sheriff’s Office Emergency Management at (352) 754-4083. They also have a variety of free brochures, books and other materials about flood zones, flood elevations, and flood protection methods that you are welcome to review or take for your own use. General Flood Hazard information and information on the availability of mitigation grants can be found at www.fema.gov/hazard-mitigation-assistance.