Natural hazards · Holyoke

Holyoke, CO natural hazards

Most of the natural-hazard damage FEMA expects in Holyoke comes from drought, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1997.

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

Expected damage

How exposed is Holyoke?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holyoke to be higher than in 37% of U.S. communities, mostly from drought and inland flooding.

Drought27%Inland flooding24%Tornadoes12%Strong wind12%Hail12%Cold waves10%Everything else4%

By hazard

What Holyoke faces

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

Drought

27% of expected damage

Recorded about 68 times a year in the area

Inland flooding

24% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

12% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Strong wind

12% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Hail

12% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 8 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Holyoke flood?

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

1paid claims since 1997

$2Kpaid to owners

0homes flooded more than once

19972026

of all homes
are insured

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

Insurance rates: Phillips County.

Disasters that hit Holyoke

Federal disasters declared here

None of the disasters declared for Phillips County shows FEMA aid or repair money reaching Holyoke itself in FEMA’s records.

Brought FEMA money into HolyokeDeclared for Phillips County only

Phillips County has had 4 natural disasters declared since 1953, most often floods and severe storms.

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. Holyoke is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.

Holyoke, CO natural hazards

How exposed is Holyoke?

What Holyoke faces

Drought

Inland flooding

Tornadoes

Strong wind

Hail

Cold waves

Lower here

Not a risk here

Does Holyoke flood?

Federal disasters declared here

How to read this page

Where to, neighbor?

Matches

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