Natural Disaster Risk in Holmes County
Florida
Risk Summary for Holmes County
Holmes County scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Holmes County, Florida
Holmes County, in the United States in Florida, is characterized by its tropical climate — warm temperatures year-round and high humidity. The county faces a June–November hurricane season that defines the risk landscape, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.
According to FEMA's National Risk Index, Holmes County carries an overall risk score of 4.4/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to lightning and tornado.
Within Florida, Holmes County's risk is, slightly below the 5.7/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Holmes County identifies hurricane as the foremost hazard, followed by lightning and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Holmes County residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.
What this means for Holmes County: Hurricane preparedness
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
Cities in Holmes County
ZIP codes in Holmes County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.