Residents of Holmes County face year-round risks from severe weather, including tornadoes, straight-line winds, hail, and flooding. Tornadoes have caused significant damage in the past, with the most severe being an EF-2 in 2025. Flooding is a recurring issue, particularly in areas near the Choctawhatchee River and Holmes Creek, with major floods historically occurring during the cool season. Hurricane Michael in 2018 demonstrated the potential for significant damage even in inland areas, with downed trees, power outages, and $250,000 in property damage. The county's older housing stock, with 61% of homes built before 1990, adds to the vulnerability, as aging infrastructure can exacerbate damage during severe weather events.