FEMA expects more hazard damage per building in North Brooksville than in 73% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, North Brooksville gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #235 of 638 in Florida. Most of that expected damage is hurricanes (46%), then river and rain flooding (42%). Flood insurance has paid 14 claims here since 1984.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What North Brooksville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind North Brooksville’s grade
Hurricanes are 46% of the building damage FEMA expects in North Brooksville, and North Brooksville’s rate of hurricanes damage is in the top 9% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 6% of U.S. census tracts.
C #235 of 638 in Florida; higher expected damage per building than 73% of U.S. towns (21,298).
North Brooksville’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, North Brooksville has less expected damage per building than 63% of Florida towns.
In dollars, FEMA expects about $993K a year in losses across North Brooksville: $781K to buildings, the rest to people and crops.
Does North Brooksville flood? Sometimes: 14 flood claims since 1984
Every paid claim on a federal flood insurance policy in North Brooksville, from FEMA’s records: 7.6 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.
- The Blizzard of 19937 claims · $162K
- Hurricane Josephine2 claims · $43K
- Hurricane Milton1 claim · $500K
North Brooksville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hernando County.The storms North Brooksville remembers
None of the 29 disasters declared for Hernando County shows FEMA aid or repair money reaching North Brooksville itself in FEMA’s records, so these are its biggest flood-claim years.
- 19937 flood claims paidThe year of Tornadoes, Flooding, High Winds and Tides, Freezing, declared for Hernando County
- 19962 flood claims paidThe year of Tropical Storm Josephine, declared for Hernando County
- 19841 flood claims paidNo declaration for the county that year
Hernando County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Hernando County, 2000–2000.
Old photos of North Brooksville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Brooksville archive →North Brooksville and its neighbors
North Brooksville is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Brooksville | C+more damage than 63% | hurricanes | 62 |
| North Brooksville | Cmore damage than 73% | hurricanes | 14 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what North Brooksville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in North Brooksville
Is North Brooksville at risk for natural disasters?
On FEMA’s National Risk Index, North Brooksville has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #235 of 638 in Florida. Most of the expected damage is hurricanes (46%) and river and rain flooding (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Brooksville flood?
Flood insurance has paid 14 claims in North Brooksville since 1984, $726K in all, or 7.6 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record. The most claims came from Blizzard of 1993 (7).
Is North Brooksville in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Hernando County, 54% of homes in mapped flood zones carry federal flood insurance, and 4.8% of all homes do.
How much is flood insurance in North Brooksville?
FEMA’s Community Rating System list shows no discount for North Brooksville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in North Brooksville?
By flood claims, Blizzard of 1993: 7 paid, $162K.
Is North Brooksville at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (46%), and North Brooksville’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Brooksville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Brooksville’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.