Natural hazards · Holmes

Holmes, OH natural hazards

Most of the natural-hazard damage FEMA expects in Holmes comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2007. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Holmes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Holmes to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding66%Cold waves9%Tornadoes8%Everything else18%

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

66% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Cold waves

9% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 12 years in the area

Lower here

HurricanesHailIce 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 Holmes flood?

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

4paid claims since 2007

$46Kpaid to owners

0homes flooded more than once

20072026

Biggest named events

Late winter storms: 2 claims, $13K

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: Crawford County.

Disasters that hit Holmes

1 federal disaster brought FEMA money here

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

Brought FEMA money into HolmesDeclared for Crawford County only

2004

Severe Winter Storms, Flooding, and Mudslides

$5K to the Township of Holmes for repairs

Crawford County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Holmes

Holmes and the towns around it

Very lowLowModerateHighVery high

Bucyrusmostly inland floodingHigh

Holmesmostly inland floodingHigh

Todmostly inland floodingHigh

Lykensmostly inland floodingHigh

Libertymostly inland floodingModerate

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 $1.4M 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.