Home Insurance in Holmes County, Florida
The median home value in Holmes County is $110,200, 69% lower than the Florida median.
The typical home in Holmes County was built around 1983. About 17% of homes were built before 1960, about 6 points above Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Holmes County, the housing stock is 59% single-family homes, 2% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Holmes County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Holmes County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 91% of homes in Holmes County are primarily heated with electricity.
Per FEMA's National Risk Index, Holmes County's top hazards are hurricane (Relatively Moderate), tornado (Relatively Low) and wildfire (Very Low).
As of September 2026, Holmes County has 99 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Florida carries a statewide average premium of $2,779 per year.
Key figures
| Median home value | $110,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 99 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)