Photo: Zeete · CC BY-SA 4.0FEMA expects more hazard damage per building in Holland Township than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Holland Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #324 of 468 in New Jersey. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 42 claims here since 1989.
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 Holland Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Holland Township 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
Strong wind
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 Holland Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Holland Township, and Holland Township’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 3% of U.S. census tracts.
C #324 of 468 in New Jersey; higher expected damage per building than 70% of U.S. towns (21,298).
All of Holland Township’s residents live in one census tract; the figures are that tract’s.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Holland Township has more expected damage per building than 69% of New Jersey towns.
In dollars, FEMA expects about $2.7M a year in losses across Holland Township: $2.3M to buildings, the rest to people and crops.
Does Holland Township flood? Sometimes: 42 flood claims since 1989
Every paid claim on a federal flood insurance policy in Holland Township, from FEMA’s records: 23.0 per 1,000 homes, more than 86% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ida4 claims · $188K
- Hurricane Irene4 claims · $39K
- The April 2007 nor’easter1 claim · $7K
Holland Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hunterdon County.9 federal disasters brought FEMA money to Holland Township
Disasters that paid out in Holland Township itself (aid to households or repair grants to Holland Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida$66K to Holland Township for repairs4 flood claims paid for it, $188K
- 2016Severe Winter Storm and Snowstorm$26K to Holland Township for repairs
- 2012Hurricane Sandy$123K to Holland Township for repairs
- 2011Severe Storm$25K to Holland Township for repairs
- 2011Remnants of Tropical Storm Lee$44K to Holland Township for repairs
- 2011Hurricane Irene$17K to Holland Township for repairs4 flood claims paid for it, $39K
Show all 9
- 2006Severe Storms and Flooding$10K to Holland Township for repairs10 flood claims paid that year
- 2004Severe Storms and Flooding$25K to Holland Township for repairs6 flood claims paid that year
- 1999Hurricane Floyd Major Disaster Declarations$16K to Holland Township for repairs
Hunterdon County has had 18 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Holland Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Holland Township archive →Holland Township and its neighbors
Holland Township is 3rd of the 8 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 |
|---|---|---|---|
| Nockamixon Township | Bless damage than 64% | river and rain flooding | 20 |
| Bethlehem Township | Bless damage than 60% | river and rain flooding | 5 |
| Holland Township | Cmore damage than 70% | river and rain flooding | 42 |
| Alexandria Township | Cmore damage than 72% | river and rain flooding | 23 |
| Milford | Cmore damage than 72% | river and rain flooding | 38 |
| Pohatcong Township | C−more damage than 77% | river and rain flooding | 147 |
| Durham Township | Dmore damage than 85% | river and rain flooding | 188 |
| Bridgeton Township | Dmore damage than 88% | river and rain flooding | 179 |
| Finesville | — | 301 residents; we grade 1,000+ | |
| Riegelsville | — | 860 residents; we grade 1,000+ | |
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 Holland Township 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Township
Is Holland Township at risk for natural disasters?
On FEMA’s National Risk Index, Holland Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #324 of 468 in New Jersey. Most of the expected damage is river and rain flooding (85%) and strong wind (7%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Holland Township flood?
Flood insurance has paid 42 claims in Holland Township since 1989, $1.4M in all, or 23.0 per 1,000 homes, more than 86% of U.S. towns with a flood insurance record. 8 properties have flooded more than once. The most claims came from Hurricane Ida (4).
Is Holland Township 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 Hunterdon County, 66% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Holland Township?
FEMA’s Community Rating System list shows no discount for Holland Township’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 Township?
By FEMA money that reached Holland Township, Hurricane Sandy (2012): $123K to Holland Township for repairs. By flood claims, Hurricane Ida: 4 paid, $188K.
Is Holland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Holland Township’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Holland Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holland Township’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.