Florida Tornado Hits Holmes County: What Homeowners Should Do Next

A devastating tornado tore through Holmes County, Florida this week, leaving extensive damage to homes, businesses, and infrastructure. In response, the state has declared a state of emergency, mobilizing disaster relief services and damage assessment teams.

Tornado damage in Holmes County Florida with emergency services on site

Damage Overview and State Response

Initial reports estimate dozens of homes affected, with multiple communities cut off due to debris. Emergency shelters have been established for displaced residents, and search-and-rescue operations are ongoing in the hardest-hit zones. Officials urge caution as power lines and structures remain unstable.

What To Do If Your Property Is Damaged

Homeowners in the impact area are advised to:

Document all visible damage using photos or videos.
Contact your insurance company immediately to start a claim.
Keep receipts of temporary repairs or accommodation costs.

Remember, insurance adjusters may be overwhelmed—filing quickly gives you an advantage in getting processed sooner.

Want to track storms before they hit? Check the Holmes County weather report here.

Homeowner and insurance adjuster reviewing storm damage in Florida

Does Your Insurance Actually Cover This?

Standard homeowners insurance may not fully cover tornado damage. Check your policy for exclusions or limits related to windstorm events. In Florida, many residents carry additional wind or flood insurance.

If you're unsure, you can compare local policies and see if you qualify for more affordable or broader coverage now.

Compare Storm Coverage Plans Near You

Stay Alert for Future Weather Events

As severe weather becomes more frequent in the Southeast, residents must stay updated. Use NOAA or local alerts, and create an emergency plan for your household. Secure important documents, and build an emergency kit with food, water, and first-aid essentials.

Read Our Weather Protection Guide

For more on protecting your home and finances in uncertain times, read our full guide.

Read the Full Insurance Protection Guide Is Your Insurance Ready for the Next Storm?