Natural hazards · Holmes

Holmes, MI natural hazards

Most of the natural-hazard damage FEMA expects in Holmes comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2026.

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

Expected damage

How exposed is Holmes?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holmes to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves34%Everything else10%

By hazard

What Holmes faces

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

Inland flooding

56% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 3 years in the area

Cold waves

34% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Holmes flood?

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

2paid claims since 2026

$126Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 2 claims, $126K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Menominee County.

Disasters that hit Holmes

Federal disasters declared here

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

Brought FEMA money into HolmesDeclared for Menominee County only

Menominee County has had 6 natural disasters declared since 1953, most often floods and hurricanes.

Around Holmes

Holmes and the towns around it

Very lowLowModerateHighVery high

Holmesmostly inland floodingModerate

Lakemostly inland floodingModerate

Beechermostly cold wavesLow

Ambergmostly cold wavesLow

Nadeaumostly cold wavesVery low

Faithornmostly cold wavesVery low

Daggettmostly cold wavesVery 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. Holmes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Holmes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Holmes. 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 Holmes total about $1.5M 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.