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B+Hazard risk
Natural hazards in Holly Lake Ranch · FEMA

FEMA expects less hazard damage per building in Holly Lake Ranch than in 71% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Holly Lake Ranch gets a B+ for hazard risk: lower expected damage per building than 71% of U.S. towns, #165 of 642 in Texas. Most of that expected damage is river and rain flooding (60%), then ice storms (17%). Flood insurance has paid 1 claim here since 2009.

River and rain flooding 60%Ice storms 17%Hail 10%

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 71%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#165 of 642 in Texas
Hazard risk
B+#165 of 642
in Texas · lower than 71% of U.S. towns
Main hazard
River and rain flooding
60% of expected building damage
Flood claims
1
paid since 2009 · $30K
Disasters paid out here
2
of 10 declared for Wood County
By hazard

What Holly Lake Ranch 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

60%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about once a year in the area

Ice storms

17%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once a year in the area

Hail

10%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 5 times a year in the area

Strong wind

6%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Earthquakes Wildfire Winter storms Cold waves Heat waves top 0% Lightning Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 14% of Holly Lake Ranch’s expected losses. Cold waves do little damage to buildings (0.2%), so they aren’t part of the grade.

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 Holly Lake Ranch’s grade

River and rain flooding is 60% of the building damage FEMA expects in Holly Lake Ranch, and Holly Lake Ranch’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Ice storms add 17%, at a rate in the top 1% of U.S. census tracts.

Where Holly Lake Ranch sits
Holly Lake Ranch
Least damageMiddleMost damage

B+ #165 of 642 in Texas; lower expected damage per building than 71% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding60%Ice storms17%Hail10%Everything else13%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Holly Lake Ranch has less expected damage per building than 74% of Texas towns.

In dollars, FEMA expects about $905K a year in losses across Holly Lake Ranch: $530K to buildings, the rest to people and crops.

Shared tract.All of Holly Lake Ranch’s 2,951 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Holly Lake Ranch flood? Rarely: 1 flood claim since 2009

Every paid claim on a federal flood insurance policy in Holly Lake Ranch, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2009: 1 claim2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2009
20092026
1
paid claims since 2009
$30K
paid to owners
0
homes flooded more than once
$30K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Wood County.
Disasters

2 federal disasters brought FEMA money to Holly Lake Ranch

Disasters that paid out in Holly Lake Ranch itself (aid to households or repair grants to Holly Lake Ranch), newest first, with that year’s flood claims.

  1. 2021Severe Winter Storms8 households applied for aid$10K aid approved
  2. 2016Severe Storms and Flooding5 households applied for aid$626 aid approved
Disasters declared, by decade
Paid out in Holly Lake RanchWood County only

Wood County has had 10 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Wood County, 2006–2006.

Were you here?

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

Add to the Holly Lake Ranch archive →
Be ready

Get ready for what Holly Lake Ranch 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 ↗
Ice storms
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
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 Holly Lake Ranch

Is Holly Lake Ranch at risk for natural disasters?

On FEMA’s National Risk Index, Holly Lake Ranch has lower expected damage per building than 71% of U.S. towns: B+ for hazard risk, #165 of 642 in Texas. Most of the expected damage is river and rain flooding (60%) and ice storms (17%). 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 Holly Lake Ranch flood?

Flood insurance has paid 1 claim in Holly Lake Ranch since 2009, $30K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record.

Is Holly Lake Ranch 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 Wood County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Holly Lake Ranch?

FEMA’s Community Rating System list shows no discount for Holly Lake Ranch’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 Holly Lake Ranch?

By FEMA money that reached Holly Lake Ranch, Severe Winter Storms (2021): 8 households applied for aid, $10K approved.

Is Holly Lake Ranch at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (60%), and Holly Lake Ranch’s rate for it is lower than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Holly Lake Ranch.

Town Square →
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Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Holly Lake Ranch’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.