Photo: Brian Stansberry · CC BY 4.0Storms, floods and disasters in Holland
Holland isn’t graded for hazard risk: Holland has 141 residents; we grade towns of 1,000 or more.
What Holland faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Ice storms
Tornadoes
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.
Does Holland flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Holland. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Pemiscot County.1 federal disaster brought FEMA money to Holland
Disasters that paid out in Holland itself (aid to households or repair grants to the Town of Holland), newest first, with that year’s flood claims.
- 2009Severe Winter Storm$18K to the Town of Holland for repairs
Pemiscot County has had 21 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Holland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Holland archive →Get ready for what Holland faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Holland
Is Holland 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 Pemiscot County, 4.7% of all homes carry federal flood insurance.
How much is flood insurance in Holland?
FEMA’s Community Rating System list shows no discount for Holland’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 Holland?
By FEMA money that reached Holland, Severe Winter Storm (2009): $18K to the Town of Holland for repairs.
Storm stories
Memories, warnings and help from neighbors in Holland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holland’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.