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Flood Insurance in Holmes County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance has paid $919,408 on 20 claims in Holmes County over the past decade.[1]

Holmes County at a glance

Flood policies in force in Holmes County
95[2]
Flood claims paid in 10 years
$919,408[1]
First FEMA flood map
1990[3]

What floods have cost Holmes County

20[1]

Flood claims filed in Holmes County in the last 10 years.

Flood claims paid in Holmes County, by storm[1]

  1. Hurricane Sally 2020, 17 claims $859,939
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Flood zones in Holmes County

Same flood zone, very different prices. Your zone decides if a lender requires flood insurance. The price depends on the home itself.

Zone A Zone AE Zone X [4]

If your home is in a high-risk zone and your mortgage comes from a federally regulated or insured lender, flood insurance is required.

Map of Florida with Holmes County shaded
Holmes County, Florida[5]

What sets the price in Holmes County

Same flood zone, very different prices in Holmes County. Here is why.

Your zone decides whether the lender requires flood insurance. It does not set your NFIP price. Since 2021, FEMA prices each policy from the building and its spot.[6]

  1. How often the spot floods. FEMA looks at how often flooding reaches the building's location.
  2. How close it sits to water. The distance from the building to a flooding source.
  3. The building itself. How high the first floor sits and what it would cost to rebuild.

Find out what your Holmes County address needs

Your flood zone and your community's discount, in one check.

Questions about flood insurance in Holmes County

Is flood insurance required in Holmes County?

If your home is in a Special Flood Hazard Area (zones A, AE) and you have a federally backed mortgage, yes. In zone X it is optional. Homeowners insurance does not cover flood. [7][4]

Is there a waiting period for flood insurance in Holmes County?

Holmes County's 95 NFIP policies follow federal rules: 30 days for a standard NFIP purchase. No wait when the policy is bought as part of getting, refinancing, increasing, extending or renewing a loan on the home. One day when a new flood map just placed the home in a high-risk zone (within 13 months of the map date). [8][2]

What does flood insurance cost in Holmes County?

The county average is $924 per year across 95 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Sally cost Holmes County?

17 NFIP claims and $859,939 paid in Holmes County, per federal claim records. [1]

Your flood toolkit for Holmes County

  • Emergency management

    Holmes County Emergency Management[9]

    Call (850) 547-1112

  • Flood zone help

    Holmes County Building Department (Building/Planning/Zoning)[10]

    Call (850) 547-1119

Keep reading about flood insurance in Holmes County

Counties next to Holmes County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Holmes County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Holmes County NFIP policies in force. Read July 4, 2026.
  3. FEMA NFIP Community Status Book, Florida. Holmes County first flood map. Read November 6, 2026.
  4. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12059C, distinct FLD_ZONE. Holmes County flood zones. Read November 10, 2026.
  5. U.S. Census Bureau, cartographic boundary files, 2017 edition, 1:10,000,000 (as redistributed in us-atlas 3.0.1). County and state outlines on the map. Read October 27, 2026.
  6. FEMA, Understanding Risk Rating 2.0 fact sheet, July 2025. The rating variables: frequency of flooding, proximity to flood sources, first floor height and the cost to rebuild; Risk Rating 2.0 since October 1, 2021. Read October 26, 2026.
  7. 42 U.S.C. 4012a, Flood insurance purchase requirements. A federally regulated lender requires flood insurance on a building in a Special Flood Hazard Area. Read October 26, 2026.
  8. 44 CFR 61.11, Effective date and time of coverage. The 30-day wait, the loan exception and the map revision exception. Read October 29, 2026.
  9. holmescountyfla.com. Holmes County Emergency Management. Read November 8, 2026.
  10. holmescountyfla.com. Holmes County Building Department (Building/Planning/Zoning). Read November 8, 2026.
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