Natural hazards · Holland

Holland, TX natural hazards

Most of the natural-hazard damage FEMA expects in Holland comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2000. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Holland?

Very low

vs. U.S. communities

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

Inland flooding41%Tornadoes23%Hail10%Cold waves9%Everything else17%

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

41% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 11 years in the area

Hail

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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.

2paid claims since 2000

$15Kpaid to owners

0homes flooded more than once

20002026

Biggest named events

Tropical Storm Bill: 1 claim, $12K

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: Bell County.

Disasters that hit Holland

3 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 Bell County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

10 households applied for aid $23K aid approved

2021

Severe Winter Storms

72 households applied for aid $39K aid approved

2007

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $9K aid approved

Bell County has had 18 natural disasters declared since 1953, most often fires 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. Holland 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 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.

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.