Natural hazards · Holland

Holland, NY natural hazards

Most of the natural-hazard damage FEMA expects in Holland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1998. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holland to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves10%Everything else8%

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

82% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 4 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Holland flood?

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

1paid claims since 1998

$3Kpaid to owners

0homes flooded more than once

19982026

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: Erie County.

Disasters that hit Holland

6 federal disasters brought FEMA money here

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

Brought FEMA money into HollandDeclared for Erie County only

2009

Severe Storms and Flooding

2 households applied for aid $699 aid approved

2006

Severe Storms and Flooding

1 household applied for aid

2004

Severe Storms and Flooding

$22K to the Town of Holland for repairs

2001

Severe Winter Storm

$15K to the Town of Holland for repairs

2000

Snow

$5K to the Town of Holland for repairs

1999

Snow

$9K to the Town of Holland for repairs

Erie County has had 20 natural disasters declared since 1953, most often winter storms and severe storms.

Around Holland

Holland and the towns around it

Very lowLowModerateHighVery high

Coldenmostly inland floodingHigh

Walesmostly inland floodingModerate

Hollandmostly inland floodingModerate

Sardiniamostly inland floodingLow

Javamostly 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 1 census tract, 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 Town 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 $1.1M 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.