Holliday’s building-damage rate from wildfire is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Holliday gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (45%), then wildfire (26%). Flood insurance has paid 2 claims here since 2015.
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 Holliday 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
Wildfire
Tornadoes
Hail
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 Holliday’s grade
River and rain flooding is 45% of the building damage FEMA expects in Holliday, and Holliday’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Wildfire adds 26%, at a rate in the top 3% of U.S. census tracts.
B− lower expected damage per building than 53% of U.S. towns (21,298).
Holliday’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $832K a year in losses across Holliday: $419K to buildings, the rest to people and crops.
Does Holliday flood? Rarely: 2 flood claims since 2015
Every paid claim on a federal flood insurance policy in Holliday, from FEMA’s records: 2.9 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms1 claim · $5K
Holliday isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Archer County.1 federal disaster brought FEMA money to Holliday
Disasters that paid out in Holliday itself (aid to households or repair grants to the City of Holliday), newest first, with that year’s flood claims.
- 2007Severe Storms, Tornadoes, and Flooding22 households applied for aid$119K aid approved
Archer County has had 14 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.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Archer County, 2008–2011.
Old photos of Holliday after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Holliday archive →Get ready for what Holliday 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Holliday
Is Holliday at risk for natural disasters?
On FEMA’s National Risk Index, Holliday has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (45%) and wildfire (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Holliday flood?
Flood insurance has paid 2 claims in Holliday since 2015, $11K in all, or 2.9 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Early summer storms (1).
Is Holliday 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 Archer County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Holliday?
FEMA’s Community Rating System list shows no discount for Holliday’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 Holliday?
By FEMA money that reached Holliday, Severe Storms, Tornadoes, and Flooding (2007): 22 households applied for aid, $119K approved. By flood claims, Early summer storms: 1 paid, $5K.
Is Holliday at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (45%), and Holliday’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Holliday.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holliday’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.