Natural hazards · Holt

Holt, MO natural hazards

Most of the natural-hazard damage FEMA expects in Holt comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Holt?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holt to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves20%Tornadoes17%Heat waves9%Hail6%Everything else4%

By hazard

What Holt 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 60% of U.S. places

Recorded about 3 times a year in the area

Cold waves

20% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 34 years in the area

Heat waves

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 15 times a year in the area

Hail

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Holt flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Holt

1 federal disaster brought FEMA money here

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

Brought FEMA money into HoltDeclared for Clay County only

2007

Severe Storms and Flooding

3 households applied for aid $24K aid approved

Clay County has had 23 natural disasters declared since 1953, most often severe storms and floods.

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. Holt 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 Holt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Holt. 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.