Each edition grades its towns against each other only.
A town of 2,675.
Hernando Beach grades D overall, 502nd of 634 graded towns in Florida. One bright spot: the median household earns $102K. 7.3% of residents are under 18 in Hernando Beach, below both the Florida town median (20%) and the median of U.S. towns (22%). Only 68 of Florida’s 776 towns score lower on walkability.
Where Hernando Beach beats most towns.
Coastal flooding makes up 31% of the storm damage FEMA expects here.
FEMA National Risk Index · OpenFEMA · OpenStreetMap
Each subject compared with towns across the country (schools within Florida), ordered by how far Hernando Beach is from typical.
How TownRatings grades towns →
Census counts: 1,767 in 1990, 2,452 in 2020. The archive holds 18 old photos and papers going back to 2002 and a map from 1954 on.
Explore the history →Hernando Beach is unincorporated, so Hernando County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
Ordered by what stands out in Hernando Beach.
Hernando Beach has more 90° days than nearly all U.S. towns and owes part of its health edge to its incomes, but it has homes that cost more against local pay than most of Florida.
25.5% of workers work from home, against 15.7% across Florida.
Most working residents leave Hernando Beach for work: only 2% work in town. The average trip to work in Hernando Beach is 35 minutes. Jobs based in Hernando Beach grew to 383 in 2023, 193 more than in 2013.
| Hernando Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Average trip to work | 35 minutes | 27 minutes | 25 minutes |
| Median household income | $102,000 | $73,000 | $80,000 |
| Below the poverty line | 5.5% | 11% | 9.6% |
| Working residents who work in town | 2.3% | 5% | 8% |
Census LEHD 2023 · ACS
Children under 18 are 7% of residents (20% statewide); adults 35 to 64 are 48% of residents (38% statewide). Hernando Beach’s median age is 58 years. 31% of adults 25 and older have a bachelor’s degree or more, vs 34% across Florida.
| Hernando Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Median age | 58 years | 42.4 years | 40.5 years |
| Aged 65 or older | 31% | 20% | 18% |
53% women, 47% men
That’s an even split within the survey’s margin of ±5.4 points. Across Florida, 50.9% of residents are women. Among residents 75 and older, 74% are men (FL 44%).
| Hernando Beach | FL | U.S. | |
|---|---|---|---|
| Under 10 | 5% | 10.3% | 11.6% |
| 10 to 17 | 2.3% | 9.2% | 10.3% |
| 18 to 24 | 9.2% | 8.1% | 9.1% |
| 25 to 34 | 5.4% | 12.7% | 13.7% |
| 35 to 44 | 4% | 12.7% | 13.2% |
| 45 to 54 | 16.8% | 12.3% | 12.2% |
| 55 to 64 | 26.8% | 13.4% | 12.7% |
| 65 to 74 | 19.1% | 11.7% | 10.2% |
| 75 and older | 11.4% | 9.6% | 7% |
| No diploma | 2.1% | 10.1% | 10.4% |
| High school | 19.8% | 27.2% | 26% |
| Some college | 28.4% | 18.5% | 19.1% |
| Associate’s | 18.3% | 10.1% | 8.8% |
| Bachelor’s | 16.6% | 21.3% | 21.6% |
| Graduate | 14.8% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 2,700, single groups can be off by several points
Expected storm and flood damage is higher than in 76% of U.S. communities. Since 1979, 1,442 flood insurance claims have been paid out in Hernando Beach.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
At 6.5 years of the Tampa metro’s $74K median household income, the typical home (about $484K) costs more against local pay than in 79% of Florida towns; that ratio is one input to its C− for cost of living. The typical value, about $484K, is 14% below its May 2024 peak.
The typical Hernando Beach home is worth about $484,000, up 1.9% in a year, 29% above the Florida typical home. 89% of households own their home in Hernando Beach.
| Hernando Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Households that own their home | 89% | 72% | 73% |
| Median rent | $1,449 a month | $1,647 a month | $1,185 a month |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
The Tarpon Spgs Sewage Plt weather station, 22 miles away, records that about 95 days a year reach 90°, more than in 96% of U.S. towns. January nights average 49.4°, milder than in 98% of U.S. towns; July afternoons average 90.2°.
Hernando Beach has warm winters and warm summers, with plenty of rain. Snow is almost unheard of.
| Hernando Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| January low | 49°F | 51°F | 22°F |
| July high | 90°F | 91°F | 85°F |
NOAA U.S. Climate Normals, 1991–2020
Against the 8,313 U.S. towns with household incomes like Hernando Beach’s, it is less healthy than 72%: its national edge comes with its incomes.
Hernando Beach beats the Florida average on 12 of 31 CDC measures and trails it on 8. 11% of Hernando Beach adults binge drink.
| Hernando Beach | Florida towns | U.S. towns | |
|---|---|---|---|
| Binge drink (CDC PLACES) | 11% | 15% | 16% |
| High blood pressure (CDC PLACES) | 43% | 37% | 35% |
| Yearly checkup (CDC PLACES) | 83% | 79% | 79% |
| Diabetes (CDC PLACES) | 16% | 13% | 12% |
| What stands out | Hernando Beach | FL |
|---|---|---|
| Fewer uninsured adults | 8.3% | 15.9% |
| Fewer adults facing housing insecurity | 7.5% | 13.9% |
| More adults who have had cancer | 14.7% | 9.1% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
2 within 15 miles of the center of Hernando Beach
About 8 of every 100 Hernando Beach residents are enrolled in college, against 6 across Florida.
Where Hernando Beach’s working residents go each day. Line width shows the share.
Census LEHD 2023
Census-designated area in Hernando County Florida, United States
Hernando Beach is a census-designated place (CDP) in Hernando County, Florida, United States. As of the 2020 census, Hernando Beach had a population of 2,452.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
Short answers, built from the data on this page.
Hernando Beach grades D overall, better than 15% of U.S. towns and #502 of 634 in Florida. It grades B− for health and B− for schools. Cost of living is its weak spot, with a C−.
Yes. That is 6.5 years of the area's median household income ($74,392 across the Tampa-St. Petersburg-Clearwater, FL metro area). Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades C−.