Natural hazards · McDougal

McDougal, AR natural hazards

Most of the natural-hazard damage FEMA expects in McDougal comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2001. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is McDougal?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McDougal to be higher than in 88% of U.S. communities, mostly from inland flooding and drought.

Inland flooding26%Drought18%Earthquakes18%Cold waves15%Tornadoes8%Heat waves6%Everything else10%

By hazard

What McDougal faces

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

Inland flooding

26% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Drought

18% of expected damage

Recorded about 9 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 88% of U.S. places

Cold waves

15% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 6 years in the area

Heat waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

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 McDougal flood?

Every paid claim on a federal flood insurance policy in McDougal, from FEMA’s records.

2paid claims since 2001

$3Kpaid to owners

0homes flooded more than once

20012026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit McDougal

2 federal disasters brought FEMA money here

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

Brought FEMA money into McDougalDeclared for Clay County only

2009

Severe Winter Storm

$18K to the Town of McDougal for repairs

2008

Severe Storms, Tornadoes, and Flooding

$788 to the Town of McDougal for repairs

Clay County has had 21 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. McDougal 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 McDougal’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of McDougal. 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.