🌍 ClimateRiskCheck

Natural Disaster Risk in Holland

Kentucky

5.7out of 10
Moderate Risk

Risk Summary for Holland

Holland scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Earthquake Strong Wind

All 18 Hazard Scores

Hail
8.7
Earthquake
7.8
Strong Wind
7.4
Tornado
7.3
Ice Storm
6.9
Winter Weather
5.8
Cold Wave
5.8
Tsunami
5.4
Hurricane
5.3
Drought
5.1
Landslide
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.8
Avalanche
4.5
Lightning
4.4
Wildfire
2.1
Riverine Flooding
1.0

How it compares

Holland
5.7
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Holland, Kentucky

Holland, in Allen County, is a small unincorporated community situated in the interior eastern United States. Its humid subtropical climate brings hot, humid summers and cold winters with ice storm risk, and in particular recurring winter ice storm events. These conditions collectively define the natural hazard environment that Holland residents and property owners must navigate.

According to FEMA's National Risk Index, Holland carries an overall risk score of 5.7/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to earthquake and wind.

Within Kentucky, Holland's risk is, near the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Allen County identifies hail as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Holland residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.

What this means for Holland: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.

Local Factors for Holland

These city-level factors differentiate Holland from other communities in Allen County and provide geographic context for its hazard exposure.

Population

18

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.1/10

Coordinates

36.6801Β° N, 86.0423Β° W

Allen County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Holland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Holland

Other cities in Kentucky

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.