Natural hazards · Horatio

Horatio, AR natural hazards

Most of the natural-hazard damage FEMA expects in Horatio comes from ice storms, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Horatio?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horatio to be higher than in 90% of U.S. communities, mostly from ice storms and inland flooding.

Ice storms55%Inland flooding22%Tornadoes8%Everything else16%

By hazard

What Horatio faces

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

Ice storms

55% of expected damage

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

Recorded about once every 2 years in the area

Inland flooding

22% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 10 years in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Horatio flood?

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

of all homes
are insured

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

Insurance rates: Sevier County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Horatio

2 federal disasters brought FEMA money here

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

Brought FEMA money into HoratioDeclared for Sevier County only

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

20 households applied for aid $96K aid approved

2000

Severe Winter Ice Storm

$104K to the City of Horatio for repairs

Sevier County has had 13 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Horatio 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 Horatio’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Horatio. 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.