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<!--Created by Genesis Filings LLC, Powered by IRIS Carbon, Unique Code 69cd774c3b0e361450da9617, Generated At Wed, 01 Apr 2026 19:51:47 GMT-->
<xsd:schema xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:us-roles="http://fasb.org/us-roles/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:us-types="http://fasb.org/us-types/2025" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:hov="http://www.khov.com/20260331" elementFormDefault="qualified" attributeFormDefault="unqualified" targetNamespace="http://www.khov.com/20260331">
  <xsd:annotation>
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      <link:linkbaseRef xlink:type="simple" xlink:href="hov-20260331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
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      <link:roleType roleURI="http://www.khov.com/role/statement-document-and-entity-information" id="statement-document-and-entity-information">
        <link:definition>000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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  <xsd:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
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  <xsd:element name="PreferredStockPurchaseRights1CustomMember" id="hov_PreferredStockPurchaseRights1CustomMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="DepositarySharesEachRepresenting11000thOfAShareOf7625SeriesAPreferredStockCustomMember" id="hov_DepositarySharesEachRepresenting11000thOfAShareOf7625SeriesAPreferredStockCustomMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
</xsd:schema>
