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Natural hazards · Holland

Holland, MI natural hazards

Most of the natural-hazard damage FEMA expects in Holland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 18 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

How exposed is Holland?

13
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holland to be higher than in 13% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes15%Strong wind11%Cold waves5%Everything else10%
By hazard

What Holland faces

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

Inland flooding

58% of expected damage
Below average · higher than 26% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

15% of expected damage
Above average · higher than 59% of U.S. places

Strong wind

11% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 2 times a year in the area

Cold waves

5% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Holland flood?

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

18paid claims since 1981
$311Kpaid to owners
0homes flooded more than once
19812026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Holland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ottawa County.

What’s been done with FEMA grants

9flood-prone homes bought out and moved
Disasters that hit Holland

5 federal disasters brought FEMA money here

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

Brought FEMA money into HollandDeclared for Ottawa County only
2013

Flooding

$31K to the City of Holland for repairs
2008

Severe Storms, Tornadoes, and Flooding

$31K to the City of Holland for repairs
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2000

Snow

$22K to the City of Holland for repairs
1999

Mi - Severe Weather 1/2 /99

$15K to the City of Holland for repairs
Ottawa County has had 14 natural disasters declared since 1953, most often floods and severe storms.
Around Holland

Holland and the towns around it

Holland: Low, mostly inland floodingFillmore: Very low, mostly inland floodingLaketown: Low, mostly inland floodingPark: Low, mostly inland floodingZeeland: Very low, mostly inland floodingOlive: Low, mostly inland floodingZeeland: Low, mostly inland floodingManlius: Low, mostly inland floodingOverisel: Low, mostly inland floodingSaugatuck: Low, mostly inland floodingPort Sheldon: Low, mostly inland floodingHolland: Very low, mostly inland flooding HollandHollandFillmoreLaketownPark
Very lowLowModerateHighVery high
Laketownmostly inland floodingLow
Parkmostly inland floodingLow
Hollandmostly inland floodingLow
Fillmoremostly inland floodingVery low
Hollandmostly inland floodingVery low
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. Holland covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Holland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Holland. 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 Holland total about $6.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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