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Risk: Relatively Low

Holmes County, FL Environment & Hazard Risk

Relatively Low natural hazard risk, led by hurricane. 419 storm events since 1996.

Expected yearly loss
$14.2M
Very Low nationally
Storm events since 1996
419
Most often thunderstorm wind
Flood insurance policies
99
1.1% of homes
Hurricanes nearby
4
12 tropical storms or stronger since 1896

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 49.4 of 100

Social vulnerability

Relatively Moderate

Score 50.9 of 100

Community resilience

Very Low

Score 13.1 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $3.1B · Agriculture value exposed: $36.3M · Risk-adjusted yearly loss: $16.6M

Risk by hazard

  • HurricaneRelatively Moderate$9M/yr expected annual loss, about once every 5 years
  • LightningRelatively Moderate$318K/yr expected annual loss, about 78 events a year
  • TornadoRelatively Low$1.2M/yr expected annual loss, about once every 2 years
  • DroughtRelatively Low$88.6K/yr expected annual loss, about 25 events a year
  • Heat waveRelatively Low$227K/yr expected annual loss, about 5.8 events a year
  • WildfireVery Low$14.7K/yr expected annual loss, about once every 1,295 years
  • EarthquakeVery Low$80.1K/yr expected annual loss, about once every 988 years
  • Cold waveRelatively Low$339K/yr expected annual loss, about 2.1 events a year
  • Strong windRelatively Low$157K/yr expected annual loss, about 1.7 events a year
  • LandslideVery Low$36/yr expected annual loss, about once every 13 years
  • Winter weatherVery Low$6,239/yr expected annual loss, about once every 3 years
  • HailVery Low$15.1K/yr expected annual loss, about 1.0 events a year
  • Ice stormVery Low$2,066/yr expected annual loss, about once every 47 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
99 of 8,793 (1.1%)
Homes in high-risk flood zones
967
Insured in high-risk zones
76 (8%)
Flood claims since 1978
165
Claims paid since 1978
$2.8M

Flood claims paid per year

Flood claims paid per year in Holmes County
Beta
  • Tropical Storm Alberto$991K · 53 claims
  • Hurricane Sally$860K · 17 claims
  • Hurricane Georges (Panhandle)$184K · 16 claims
  • Flooding$74.9K · 5 claims
  • Hurricane Ivan$30.1K · 1 claim
  • Hurricane Georges (Keys)$9,642 · 2 claims

Storm history

Since 1996: 419 events, 0 deaths, $31.2M in damage

  • Thunderstorm Wind201
  • Flood64
  • Flash Flood49
  • Drought42
  • Tropical Storm15
  • Tornado13
  • Hail11
  • Excessive Heat10
  • Hurricane (Typhoon)4
  • Winter Weather2
Beta

Events per year

Storm events per year in Holmes County
5
3
5
6
18
15
20
24
16
22
23
21
16
35
15
16
28
44
16
18
Beta

21 tornadoes on record (EF0 3, EF1 3, EF2 1, F0 5, F1 5, F2 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood07/04/2013

    Royals Crossroads, Holmes County

    $8.5M damage

    What happened

    Disastrous areal flooding occurred across Holmes county with most county roads flooded. Transportation was severely impacted across the county with schools closed and a federal disaster declaration obtained. Preliminary damage estimates for the county were around $8.5 million.

  • Flash Flood09/16/2020

    Ponce De Leon, Holmes County

    $8.5M damage

    What happened

    Extensive flash flooding occurred across Holmes county. Damage cost was estimated.

  • Hurricane (Typhoon)09/28/1998

    Holmes

    $4M damage

    What happened

    Hurricane Georges, a Category 2 storm, made landfall near Biloxi, MS early Monday, September 28, 1998. A peak wind gust of 52 knots was measured at the Gulf of Mexico data buoy 85 nautical miles south of Panama City. Georges produced storm surges of 6 to 12 feet along the Florida Panhandle coast and 3 to 5 feet along the Big Bend coast. Torrential rainfall amounts of 12 to 24 inches were common over Southeast Alabama and the Florida Panhandle with 5 to 10 inches over Southwest Georgia and the Big Bend. These rains swelled area rivers, creeks, and streams well above flood stage. Eight people were injured as numerous tornadoes were spawned by the remnants of Tropical Depression Georges across Southeast Alabama, Southwest Georgia, and Northwest Florida. Georges pushed 1998 agricultural losses in Georgia over $800 million. Beach erosion along the Panhandle coast was moderate to severe. Bay County experienced its worst beach erosion since Hurricane Eloise in 1975. Liberty, Calhoun, Bay, Holmes, Washington, Gadsden, Walton, Gulf, Franklin, Jackson, Wakulla, Coffee, and Geneva counties were declared federal disaster areas.As a result of the runoff from Georges' torrential...

  • Thunderstorm Wind04/30/1996

    Bonifay, Holmes County

    2 injured, $5,000 damage

    What happened

    Power lines and trees were reported down. A few homes were damaged. Two people in a car were reported to be injured near Bonifay.

  • Flood02/26/2013

    Royals Crossroads, Holmes County

    $1.5M damage

    What happened

    Significant areal flooding occurred across Holmes county due to prolonged periods of moderate to heavy rainfall. Four day rainfall totals of 8-12 inches were estimated across the county between Feb 22-26. The emergency manager estimated over $1.4 million in damages across the county, mainly due to road repair. The following impacts were documented by the Public Works Department for Holmes county.||1) All roads in campsites off of Hwy 179 were under water except for Boat Ramp Rd.|2) Blue Springs Rd was completely closed and under water from River and Wrights|3) Horse Shoe Loop Rod was closed for approximately 500 ft from creek and river water backing up on the road.|4) Tobe Retherford Rd was closed due to water crossing 100 ft from Hwy 179 covering approximately 50 ft of the road.|5) Bonifay Gritney Rd was closed due to river and creek water backing up and covering bridge. About 200 ft of the road was under water.|6) Harris Stevenson Rd was closed due to Sikes Creek crossing the road and making it impassible. About 700 ft of the road was under water.|7) Bear Hewett Landing Rd was closed due to about 200 ft of the road under water.|8) Boat Landing Ln was closed due to river...

  • TornadoEF1, 4.78 mi path, 100 yd wide02/11/2018

    Gritney, Holmes County

    1 injured, $250K damage

    What happened

    A tornado touched down in Holmes county and tracked through the south central part of the county north of Caryville and northwest of Bonifay. Two barns were destroyed and one brick carport that was attached to a house was destroyed. The roof of this house was mostly gone. There was one minor injury. The tornado was rated EF1 with peak winds estimated at 110 mph. Damage cost was estimated.

Drinking water

7 community water systems serve about 4,898 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 1 toxic release facility in Holmes County

Superfund sites

None in this county.

Toxic release facilities

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk1 historic places

Frequently asked questions

How risky is Holmes County for natural disasters?
FEMA rates Holmes County relatively low for overall natural hazard risk, with expected losses of $14.2M a year. The highest-rated hazards are hurricane (relatively moderate), lightning (relatively moderate), tornado (relatively low).
What storms are most common in Holmes County?
Since 1996, NOAA recorded 419 storm events affecting Holmes County, most often thunderstorm wind (201), flood (64), flash flood (49).
How many tornadoes have hit Holmes County?
21 tornadoes have been recorded in Holmes County since 1950.
How many homes in Holmes County have flood insurance?
99 residential flood insurance policies are in force in Holmes County, covering about 1.1% of homes. The program has paid $2.8M on 165 claims here since 1978.
What is the weather like in Holmes County?
At New Hope, average highs reach 91°F in Jul and lows fall to 39°F in Jan (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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