Holmes County, Florida: hazard risk
FEMA rates Holmes County's overall risk Relatively Low (score 49.4 of 100, higher than 49% of rated U.S. counties). Its storm record holds 440 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively Moderate | 91.5 | $9.0M |
| Lightning | Relatively Moderate | 61.6 | $318K |
| Tornado | Relatively Low | 53.0 | $1.2M |
| Drought | Relatively Low | 44.6 | $89K |
| Heat Wave | Relatively Low | 42.0 | $227K |
| Cold Wave | Relatively Low | 28.2 | $339K |
| Strong Wind | Relatively Low | 19.7 | $157K |
| Wildfire | Very Low | 32.2 | $15K |
| Earthquake | Very Low | 31.6 | $80K |
| Riverine Flooding | Very Low | 26.5 | $2.8M |
| Landslide | Very Low | 12.4 | $36 |
| Winter Weather | Very Low | 9.3 | $6K |
| Hail | Very Low | 6.0 | $15K |
| Ice Storm | Very Low | 4.9 | $2K |
| Coastal Flooding | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 214 | 0 | $1.1M | 16th of 67 | 863rd of 3,080 |
| Floods | 113 | 0 | $27M | 13th of 67 | 1133rd of 3,080 |
| Drought | 42 | 0 | – | 1st of 67 | 418th of 3,063 |
| Tornadoes | 21 | 1 | $3.9M | 42nd of 67 | 852nd of 3,080 |
| Hurricanes and tropical storms | 19 | 0 | $9.7M | 22nd of 67 | 160th of 1,849 |
| Hail | 12 | 0 | – | 60th of 67 | 2706th of 3,080 |
| Heat | 10 | 0 | – | 1st of 67 | 974th of 3,076 |
| Winter storms | 5 | 0 | $749K | 3rd of 67 | 2874th of 3,077 |
| Extreme cold | 3 | 0 | $50K | 27th of 67 | 2151st of 3,076 |
| Heavy rain | 1 | 0 | – | 60th of 67 | 1901st of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Holmes County record: every hazard by year and month, the deadliest events and FEMA's declarations.