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Natural hazards · Holton

Holton, MI natural hazards

Most of the natural-hazard damage FEMA expects in Holton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2026. 2 federal disasters brought FEMA money into town.

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

How exposed is Holton?

13
Very low
vs. U.S. communities

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

Inland flooding60%Strong wind15%Tornadoes13%Cold waves5%Everything else7%
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

60% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once every 2 years in the area

Strong wind

15% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

13% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once every 64 years in the area

Cold waves

5% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Holton flood?

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

1paid claims since 2026
$54paid to owners
0homes flooded more than once
20262026

Biggest named events

  • 2026-04-Flooding: 1 claim, $54
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: Muskegon County.
Disasters that hit Holton

2 federal disasters brought FEMA money here

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

Brought FEMA money into HoltonDeclared for Muskegon County only
2026

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $11K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
Muskegon County has had 12 natural disasters declared since 1953, most often floods and severe storms.
Around Holton

Holton and the towns around it

Cedar Creek: Very low, mostly inland floodingBlue Lake: Very low, mostly inland floodingGreenwood: Moderate, mostly inland floodingSheridan: Low, mostly inland floodingDalton: Very low, mostly inland floodingBridgeton: Low, mostly inland floodingEgelston: Very low, mostly inland floodingMuskegon: Very low, mostly inland floodingWhitehall: Very low, mostly inland floodingOtto: Moderate, mostly inland floodingMontague: Very low, mostly inland floodingDayton: Low, mostly inland floodingNewfield: Moderate, mostly inland floodingFremont: Very low, mostly inland floodingGarfield: Low, mostly inland floodingAshland: Low, mostly inland floodingHolton: Very low, mostly inland flooding HoltonCedar CreekBlue LakeGreenwoodSheridan
Very lowLowModerateHighVery high
Greenwoodmostly inland floodingModerate
Sheridanmostly inland floodingLow
Holtonmostly inland floodingVery low
Cedar Creekmostly inland floodingVery low
Blue Lakemostly 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. Holton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Holton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Holton. 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 Holton total about $733K 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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You’re in Holton, MIMuskegon CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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