Property Atlas

County hazard profile

Holmes, FL

Florida · pop. 19,618 · FIPS 12059

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$14M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Holmes $14M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 49.43/100
national median ~50 near the national middle (49th percentile)
Social vulnerabilityRelatively Moderate 50.92/100
national median ~50 near the national middle (51st percentile)
Community resilienceVery Low 13.1/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Holmes

The National Flood Insurance Program has paid 165 flood-insurance claims totaling $2.8M in Holmes since 1978. The costliest year was 1994 ($991K paid).

Flood-insurance dollars paid by year of loss

1978: $2,437 paid 1990: $85,065 paid 1991: $2,816 paid 1994: $991,299 paid 1995: $1,667 paid 1996: $9,684 paid 1998: $600,462 paid 2001: $0 paid 2004: $30,056 paid 2005: $13,015 paid 2009: $193,493 paid 2015: $45 paid 2018: $49,761 paid 2020: $859,939 paid 2021: $9,707 paid 1994 · $991K 1978 2021
$2.8M
total paid
$17,269
average claim
$150K
largest single claim
79%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Holmes, FL and where it ranks among U.S. counties. It is not a verdict on whether Holmes is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.