Flood Mitigation & Recovery

Flooding can cause devastating damage, but many losses are preventable. Hernando County encourages homeowners to use available federal and state resources to strengthen, rebuild, and protect their homes from future disasters. Whether you were affected by a recent storm or are simply looking to reduce your risk, the information below connects you with FEMA experts, mitigation programs, insurance updates, and recovery guidance.

Florida Hurricane Survivors

FEMA experts offer advice on building back stronger and safer.

While disasters are inevitable, the damage they cause is not. Help is available to all homeowners, including those not directly impacted by recent storms.

If you have questions about making your home safer:

📞 Call: 833-336-2487
🕗 Hours: 8 a.m. – 5 p.m. (Monday–Friday, Central Time)
✉️ Email: FEMA-R4-HMHELP@FEMA.DHS.GOV

Flood Recovery

FEMA News Release: Updates to the National Flood Insurance Program Make Flood Insurance More Accessible in Florida

FEMA, which administers the National Flood Insurance Program (NFIP), announced updates designed to expand access to flood insurance. These changes make it easier for homeowners and renters to choose and pay for a flood insurance policy.

Getting a Flood Insurance Quote

FEMA now offers a Direct to Customer (D2C) Quoting Tool that allows users to:

Enter their home address
View personalized flood insurance quotes
Compare coverage and deductible options
Connect with three local insurance agents
Download, print, or email the quote

Paying for a Flood Insurance Policy

Coming soon, NFIP policyholders will be able to pay premiums in monthly installments instead of a single annual payment.

Available to new and existing NFIP customers at application or renewal
Installment plans are offered to policyholders not required to escrow premiums
Customers must opt in and authorize automatic electronic payments
(credit card, debit card, or bank account)
Monthly payments do not change policy coverage—only payment timing
FEMA is coordinating with all NFIP insurers to implement this option

Learn more: Installment Plan FAQs | FEMA.gov