Holmes County, FL: Home-Insurance Distress & Forced-Sale Pressure
Holmes County, FL: 50/100 (elevated) home-insurance distress; Holmes, FL band MEDIUM; Holmes, FL #1,086 of 3,222 counties; Holmes, FL #66 of 67 in Florida; raw Holmes, FL 59.1; Holmes, FL coverage multiplier 0.85.
FEMA hazard, Holmes, FL: 98/100; Holmes, FL declarations, three years: 15; Holmes, FL perils: 3 hurricane, 12 tropical-storm; Holmes, FL five-year count 12 (severity 18.0); Holmes, FL ten-year 12; hazard-weighted, Holmes, FL: 51.0.
Declared incidents on the Holmes, FL record: 2026 Tropical Storm 2; 2024 Tropical Storm 6 (Holmes, FL); 2024 Hurricane 2 (Holmes, FL).
NFIP claims, Holmes, FL, three years: none; Holmes, FL claim-stress 0/100.
Holmes, FL monthly score rose, 49 (March 2026) to 50 (October 2026); Holmes, FL by month: March 49, April 49, May 49, June 49 (Holmes, FL), July 50, August 49, September 50, October 50.
Holmes, FL components: climate 98; Holmes, FL retreat index 50; Holmes, FL climate multiplier 0.85.
Construction distress, Holmes, FL: 47/100 as of August 2026 (Holmes, FL: 30/100 one-to-four unit, 62/100 multifamily).
Holmes, FL ZIPs, June 2026 (Holmes, FL, 4 highest): score 0 (Holmes, FL), climate 76 (Holmes, FL): 32455; score 0 (Holmes, FL), climate 65 (Holmes, FL): 32440; score 0 (Holmes, FL), climate 56 (Holmes, FL): 32464; score 0 (Holmes, FL), climate 50 (Holmes, FL): 32425.
DLRadar rescores Holmes, FL monthly; Holmes, FL readings join Holmes, FL foreclosure, lien and ownership parcels (Holmes, FL), so cost-squeezed Holmes, FL owners surface before listing.
Inside Florida, Holmes County ranks 66th of 67 counties for home-insurance distress at 50/100; Calhoun County (50/100) sits just above Holmes County, and Washington County (50/100) sits just below Holmes County.
Deterministic. Every Holmes County, FL signal traces to a public Holmes dataset (FEMA, NFIP, Census for Holmes, FL) · how insurance distress works in Holmes, FL · methodology
FAQ: Holmes County, FL insurance distress
What is the Holmes County, FL home-insurance-distress score?
Holmes, FL: 50/100 (MEDIUM), #1,086 of 3,222, #66 in Florida. FEMA hazard, Holmes, FL: 98/100; NFIP stress, Holmes, FL: 0/100; construction, Holmes, FL: 47/100; Holmes, FL rescores monthly.
Is Holmes County insurance distress getting better or worse (FL)?
Holmes, FL: 49 in March 2026; Holmes, FL: 50 in October 2026 (worse); Holmes, FL climate component 98.
Which Holmes County ZIP codes carry the most insurance distress (FL)?
Holmes, FL, June 2026: 32455 at 0, 32440 at 0, 32464 at 0, 32425 at 0; Holmes, FL climate scores there: 76, 65, 56, 50.
Why does Holmes, FL insurance distress create sellers?
A Holmes, FL premium outruns the Holmes, FL budget; a carrier leaves Holmes, FL; Holmes, FL carrying cost passes plan; Holmes, FL owners sell while current; Holmes, FL insurance distress leads Holmes, FL foreclosure data.