Natural hazards · Floral

Floral, AR natural hazards

Most of the natural-hazard damage FEMA expects in Floral comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Floral?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Floral to be higher than in 79% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding29%Tornadoes23%Earthquakes19%Ice storms8%Cold waves8%Everything else13%

By hazard

What Floral faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

29% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 6 years in the area

Earthquakes

19% of expected damage

Well above average · higher than 84% of U.S. places

Ice storms

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Floral flood?

FEMA's records show no paid flood insurance claims in Floral.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Floral isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Independence County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Floral

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Floral itself: aid to households, or repair grants to Floral.

Brought FEMA money into FloralDeclared for Independence County only

2008

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Independence County has had 26 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Floral is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Floral’s own flood-insurance community; household aid to the registrant’s city; repair grants to Floral. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.