Natural hazards · Holton

Holton, IN natural hazards

Most of the natural-hazard damage FEMA expects in Holton comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holton to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes26%Strong wind10%Cold waves7%Everything else13%

By hazard

What Holton faces

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

Inland flooding

45% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 9 years in the area

Strong wind

10% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Holton flood?

FEMA's records show no paid flood insurance claims in Holton.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ripley County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Holton

5 federal disasters brought FEMA money here

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

Brought FEMA money into HoltonDeclared for Ripley County only

2012

Severe Storms, Straight-Line Winds, and Tornadoes

100 households applied for aid $121K aid approved $43K to the Town of Holton for repairs

2008

Severe Storms and Flooding

22 households applied for aid $5K aid approved

2008

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $8K aid approved $23K to the Town of Holton for repairs

2004

Snow

$2K to the Town of Holton for repairs

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $14K aid approved

Ripley County has had 15 natural disasters declared since 1953, most often severe storms and winter 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. Holton 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 Holton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Holton. 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.