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AHazard risk
Natural hazards in Holley · FEMA

FEMA expects less hazard damage per building in Holley than in 94% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Holley gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns. Most of that expected damage is river and rain flooding (90%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 90%Strong wind 4%Ice storms 2%

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

less than 94%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in New York · lower than 94% of U.S. towns
Main hazard
River and rain flooding
90% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 18 declared for Orleans County
By hazard

What Holley 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

90%of expected building damage
Below average · lower than 71% of U.S. census tracts
Recorded about once every 2 years in the area
Smaller shares here
 Strong wind Ice storms Earthquakes Tornadoes Hail Hurricanes Winter storms Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Holley’s grade

River and rain flooding is 90% of the building damage FEMA expects in Holley, and Holley’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts.

Where Holley sits
Holley
Least damageMiddleMost damage

A lower expected damage per building than 94% of U.S. towns (21,298).

All of Holley’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding90%Strong wind4%Everything else6%

In dollars, FEMA expects about $272K a year in losses across Holley: $219K to buildings, the rest to people and crops.

Shared tract.All of Holley’s 1,754 residents (2020 census) live in one census tract, which it shares with Murray town (4,796 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Holley flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Holley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Holley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Orleans County.
Disasters

6 federal disasters brought FEMA money to Holley

Disasters that paid out in Holley itself (aid to households or repair grants to the Village of Holley), newest first, with that year’s flood claims.

  1. 2017Severe Winter Storm and Snowstorm$8K to the Village of Holley for repairs
  2. 2006Severe Storms and Flooding35 households applied for aid$7K aid approved$18K to the Village of Holley for repairs
  3. 2004Severe Storms and Flooding2 households applied for aid$12K to the Village of Holley for repairs
  4. 2003Ice Storm2 households applied for aid$11K aid approved
  5. 1999Snow$3K to the Village of Holley for repairs
  6. 1999Snow$2K to the Village of Holley for repairs
Disasters declared, by decade
Paid out in HolleyOrleans County only

Orleans County has had 18 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Holley after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Holley archive →
Next door

Holley and its neighbors

Holley is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Murray: hazard risk AClarendon: hazard risk AMurrayClarendonHolley
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
MurrayAless damage than 94%river and rain flooding—
HolleyAless damage than 94%river and rain flooding0
ClarendonAless damage than 93%river and rain flooding8

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.

Be ready

Get ready for what Holley faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Holley

Is Holley at risk for natural disasters?

On FEMA’s National Risk Index, Holley has lower expected damage per building than 94% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (90%). 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.

Is Holley 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 Orleans County, 0.3% of all homes carry federal flood insurance.

How much is flood insurance in Holley?

FEMA’s Community Rating System list shows no discount for Holley’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 Holley?

By FEMA money that reached Holley, Severe Storms and Flooding (2006): 35 households applied for aid, $7K approved, and $18K to the Village of Holley for repairs.

Is Holley at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (90%), and Holley’s rate for it is lower than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Holley.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holley’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.