Natural hazards · Holt

Holt, AL natural hazards

Most of the natural-hazard damage FEMA expects in Holt comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1979. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Holt?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holt to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes27%Heat waves11%Cold waves7%Earthquakes5%Everything else9%

By hazard

What Holt faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

41% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 95% of U.S. places

Heat waves

11% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 10 times a year in the area

Cold waves

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

5% of expected damage

Above average · higher than 67% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Holt flood?

Every paid claim on a federal flood insurance policy in Holt, from FEMA’s records.

3paid claims since 1979

$54Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Frederic: 2 claims, $41K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Holt isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tuscaloosa County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Holt

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Holt itself: aid to households, or repair grants to Holt.

Brought FEMA money into HoltDeclared for Tuscaloosa County only

2011

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

13 households applied for aid $64K aid approved

2005

Hurricane Katrina

1 household applied for aid

Tuscaloosa County has had 25 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Holt

Holt and the towns around it

Very lowLowModerateHighVery high

Tuscaloosamostly inland floodingModerate

Holtmostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Holt covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Holt’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Holt. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Holt total about $560K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.