Natural hazards · Prospect

Prospect, LA natural hazards

Most of the natural-hazard damage FEMA expects in Prospect comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2017.

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

Expected damage

How exposed is Prospect?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Prospect to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes23%Heat waves13%Strong wind8%Everything else14%

By hazard

What Prospect faces

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

Inland flooding

43% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

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

Recorded about once every 65 years in the area

Heat waves

13% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 22 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Prospect flood?

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

3paid claims since 2017

$311Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

Hurricane Delta: 2 claims, $201K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grant Parish.

Disasters that hit Prospect

Federal disasters declared here

None of the disasters declared for Grant Parish shows FEMA aid or repair money reaching Prospect itself in FEMA’s records.

Brought FEMA money into ProspectDeclared for Grant Parish only

Grant Parish has had 27 natural disasters declared since 1953, most often hurricanes 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. Prospect covers 1 census tract, combined by population.

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

FEMA’s expected losses across Prospect total about $898K a year, counting buildings, people and crops.

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.