FEMA expects more hazard damage per building in Holiday than in 71% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Holiday gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #188 of 638 in Florida. Most of that expected damage is river and rain flooding (47%), then hurricanes (46%). Flood insurance has paid 351 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Holiday’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Holiday faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Holiday’s grade
River and rain flooding is 47% of the building damage FEMA expects in Holiday, and Holiday’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Hurricanes add 46%, at a rate in the top 9% of U.S. census tracts.
C #188 of 638 in Florida; higher expected damage per building than 71% of U.S. towns (21,298).
Holiday’s residents live in 10 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Holiday has less expected damage per building than 71% of Florida towns.
In dollars, FEMA expects about $6.2M a year in losses across Holiday: $5.0M to buildings, the rest to people and crops.
Does Holiday flood? Yes: 351 flood claims since 1978
Every paid claim on a federal flood insurance policy in Holiday, from FEMA’s records: 26.5 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Debby88 claims · $1.5M
- Hurricane Frances39 claims · $187K
- Hurricane Milton32 claims · $1.2M
Holiday isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pasco County.11 federal disasters brought FEMA money to Holiday
Disasters that paid out in Holiday itself (aid to households or repair grants to Holiday), newest first, with that year’s flood claims.
- 2024Hurricane Milton4,846 households applied for aid$4.6M aid approved32 flood claims paid for it, $1.2M
- 2024Hurricane Helene3,562 households applied for aid$7.3M aid approved
- 2023Hurricane Idalia498 households applied for aid$317K aid approved2 flood claims paid that year
- 2022Hurricane Ian809 households applied for aid$267K aid approved3 flood claims paid that year
- 2017Hurricane Irma7,558 households applied for aid$2.9M aid approved18 flood claims paid for it, $214K
- 2016Hurricane Hermine49 households applied for aid$33K aid approved13 flood claims paid for it, $254K
Show all 11
- 2012Tropical Storm Debby407 households applied for aid$721K aid approved88 flood claims paid for it, $1.5M
- 2004Hurricane Jeanne451 households applied for aid$564K aid approved17 flood claims paid for it, $73K
- 2004Hurricane Ivan12 households applied for aid$3K aid approved
- 2004Hurricane Frances278 households applied for aid$242K aid approved39 flood claims paid for it, $187K
- 2004Tropical Storm Bonnie and Hurricane Charley28 households applied for aid$39K aid approved
Pasco County has had 33 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Pasco County, 2000–2000.
Old photos of Holiday after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Holiday archive →Holiday and its neighbors
Holiday is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Key Vista | C+more damage than 59% | hurricanes | — |
| Elfers | C+more damage than 63% | hurricanes | 57 |
| Beacon Square | Cmore damage than 66% | hurricanes | 416 |
| Tarpon Springs | Cmore damage than 68% | hurricanes | 1,116 |
| Holiday | Cmore damage than 71% | river and rain flooding | 351 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Holiday faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Holiday
Is Holiday at risk for natural disasters?
On FEMA’s National Risk Index, Holiday has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #188 of 638 in Florida. Most of the expected damage is river and rain flooding (47%) and hurricanes (46%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Holiday flood?
Flood insurance has paid 351 claims in Holiday since 1978, $4.4M in all, or 26.5 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Debby (88).
Is Holiday in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Pasco County, 47% of homes in mapped flood zones carry federal flood insurance, and 10.3% of all homes do.
How much is flood insurance in Holiday?
FEMA’s Community Rating System list shows no discount for Holiday’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Holiday?
By FEMA money that reached Holiday, Hurricane Helene (2024): 3,562 households applied for aid, $7.3M approved. By flood claims, Tropical Storm Debby: 88 paid, $1.5M.
Is Holiday at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (47%), and Holiday’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Holiday.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holiday’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.