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County · Flood risk

Check any address in Holmes County

Quick facts

Homes on the tax roll

4,977

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Dec 2010

First flood map 1990

Flood insurance discount

None

Holmes County isn't in the Community Rating System

Most flood claims in one storm

17

Hurricane Sally 2020, 17 paid

Homes with water, FEMA aid

5

Aid registrations reporting water inside, Hurricane Michael 2018

New FEMA maps

Preliminary

Draft zones FEMA has released for review

Sinkhole reports

5

1 confirmed by the state

Past storms in Holmes County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Holmes County
StormClaimsPaidAid, water inside
Hurricane Sally 202017171

Frequently asked questions

Do I need flood insurance in Holmes County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Holmes County took effect on December 17, 2010. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Holmes County last updated?

The flood map in effect for Holmes County took effect on December 17, 2010. The county's first flood map dates to December 5, 1990. FEMA has released preliminary maps for parts of the county; they don't change insurance requirements until they're adopted and take effect.

Is there a flood insurance discount in Holmes County?

Holmes County takes part in the National Flood Insurance Program but isn't in FEMA's Community Rating System, so NFIP policies there get no community discount. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Holmes County the most?

By National Flood Insurance Program claims across Holmes County, the worst recent storms were Hurricane Sally 2020 (17 claims, 17 paid). After Hurricane Michael 2018, 5 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Holmes County?

The Florida Geological Survey has 5 subsidence reports on file for Holmes County, 1 of them confirmed as true sinkholes. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Holmes County is a rural Panhandle county on the Alabama line, with the Choctawhatchee River running through it.

Holmes County has 4,977 homes on the state tax roll. The FEMA flood map in effect for Holmes County took effect on December 17, 2010; the county's first flood map dates to 1990. The storm that left the most flood insurance claims in the county was Hurricane Sally 2020, with 17. Holmes County takes part in the National Flood Insurance Program but isn't in FEMA's Community Rating System, so NFIP policies there get no community discount.

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024.

Search any address in Holmes County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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