Climate Risk Summary

Holland, MI Risk Profile

The primary drivers of climate-related financial risk in Holland, MI are Inland Flooding, Tornado, and Strong Wind.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Holland.

Primary Risks

Inland Flooding

$4,017,978

Expected Annual Loss for Holland

33.0Score

Relatively Moderate compared to US average

Holland

Minimal Estimated LossMax Estimated Loss

Tornado

$1,046,801

Expected Annual Loss for Holland

59.2Score

Relatively High compared to US average

Holland

Minimal Estimated LossMax Estimated Loss

Strong Wind

$786,298

Expected Annual Loss for Holland

85.1Score

Very High compared to US average

Holland

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$4,017,978

Score: 33.0

MAJOR DRIVER

Tornado

$1,046,801

Score: 59.2

MAJOR DRIVER

Strong Wind

$786,298

Score: 85.1

Cold Wave

$371,829

Score: 44.3

Hail

$249,025

Score: 67.5

Earthquake

$149,381

Score: 32.1

Heat Wave

$105,690

Score: 16.7

Lightning

$98,579

Score: 46.7

Ice Storm

$65,896

Score: 55.6

Winter Weather

$35,656

Score: 58.1

Hurricane

$2,100

Score: 21.0

Wildfire

$1,364

Score: 38.4

Coastal Flooding

$815

Score: 43.6

Landslide

$11

Score: 35.2

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 59.2

💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 85.1

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 67.5

❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 55.6

🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.1

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Allendale Beechwood Douglas Fennville Grand Haven

Zip Codes in Holland

49423 49424