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. Jobs in Hernando Beach grew by 193 from 2013 to 2023, reaching 383. In Hernando Beach, the mean commuting time is 35 minutes. The top destinations are Spring Hill (16%), Brooksville (7%) and Tampa (5%).
| 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
In Hernando Beach, the median age is 58 years. Children under 18 are 7% of residents (20% statewide); adults 35 to 64 are 48% of residents (38% statewide). 31% of residents are 65 or older in the town. Among adults 25 and older, 31% have a four-year degree or more, against 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
Since 1979, 1,442 flood insurance claims have been paid out in Hernando Beach. Storm and flood damage is expected to run higher than in 76% of U.S. communities. Expected losses in Hernando Beach break down as 37% from hurricanes and 31% from coastal flooding. Federal aid has come to Hernando Beach households in 8 declared disasters; the latest was in 2024.
FEMA flood insurance claims · FEMA disaster declarations and aid · 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.
Hernando Beach’s midpoint rent is $1,449 a month. Among households in the town, 89% are owner-occupiers. A home in Hernando Beach typically sold within 78 days of listing.
| 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°.
The January low for Hernando Beach comes to 49°F. Snow almost never falls.
| 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.
For adults in Hernando Beach, the share who sleep under 7 hours is 33%. This Florida town beats the Florida average on 12 of 31 CDC measures and trails it on 8. In Hernando Beach, 43% of adults have high blood pressure, and 83% had a checkup this year.
| 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−.