Hernando County is committed to protecting life, property, and natural resources by managing development in flood-prone areas. The County’s Flood Damage Prevention and Protection Ordinance works alongside the Florida Building Code to reduce flood risks, guide responsible construction, and help residents understand their property’s flood zone.

Flood Damage Prevention and Protection

The Hernando County Flood Damage Prevention and Protection Ordinance is utilized in coordination with the Florida Building Code to regulate development and activities in Special Flood Hazard Areas.

Identifying Flood Hazard Areas

The Property Appraiser's GIS Digital Flood Map can be used to help identify whether your property is located in a mapped Special Flood Hazard Area.
The FEMA Flood Insurance Rate Map (FIRM) is the official map used in flood zone determinations.

Local Watershed Information

Hernando County also has local watershed information that may not appear on the FEMA Flood Insurance Rate Map but can affect development.
The Zoning Office should always be contacted for a determination of zone and elevation requirements.

FEMA Map Service Center

The FEMA Map Service Center can be used to search a property address to see whether a Letter of Map Revision (LOMR) or Letter of Map Amendment (LOMA) has been approved for any property.

LOMR and LOMA determinations can either:

• • Remove the entire property from the floodplain, or

  • Remove only a specific portion of the property from the floodplain.

This information supersedes the current Flood Insurance Rate Maps.

Visit https://msc.fema.gov/portal/home to search an address.