Holland, Michigan: natural disaster risk
How exposed Holland is to floods, storms and other hazards, from FEMA and NOAA records for Ottawa County.
Holland is a city of 34,423 people in Ottawa County, Michigan. Parts of Holland also reach into Allegan County. FEMA's National Risk Index rates Ottawa County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and strong wind, with about $68.2 million in expected losses a year across the county. The weather service has logged 344 storm reports in the county since 1956, including 25 tornadoes and 19 floods. About 0.3% of homes in the county carry federal flood insurance.
Risk figures are for Ottawa County, the county with most of the population Holland sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Holland
Full Ottawa County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $45M | |
| Tornado | $8M | |
| Strong wind | $7M | |
| Cold wave | $3M | |
| Hail | $2M | |
| Heat wave | $939K | |
| Lightning | $867K | |
| Earthquake | $665K | |
| Ice storm | $469K | |
| Winter weather | $317K | |
| Wildfire | $26K | |
| Hurricane | $15K |
Homes in Holland
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Ottawa County
More cities in Ottawa County
Common questions about Holland
Is Holland safe from natural disasters?
Holland is in Ottawa County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, strong wind. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Holland?
By expected yearly losses in Ottawa County, the top hazards are inland flooding (Moderate), tornado (Moderate), strong wind (High). Ottawa County has been part of 14 federal disaster or emergency declarations for natural events.
Does Holland get tornadoes?
Yes. NOAA records list 25 tornadoes in Ottawa County since 1950; the strongest was an F5 tornado on April 3, 1956. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Holland?
Standard home insurance does not cover floods. In Ottawa County, about 0.3% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.