Natural hazards · Holgate

Holgate, OH natural hazards

Most of the natural-hazard damage FEMA expects in Holgate comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 20 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holgate?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holgate to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes10%Everything else16%

By hazard

What Holgate faces

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

Inland flooding

74% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 21 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Holgate flood?

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

20paid claims since 1981

$261Kpaid to owners

5homes flooded more than once

19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Holgate

2 federal disasters brought FEMA money here

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

Brought FEMA money into HolgateDeclared for Henry County only

2004

Severe Winter Storms, Flooding, and Mudslides

1 household applied for aid $260 aid approved

2002

Severe Storms and Tornadoes

1 household applied for aid

Henry County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

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