Bogue Chitto’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Bogue Chitto comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.
What stands out about Bogue Chitto’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Bogue Chitto flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bogue Chitto. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bogue Chitto isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.How exposed is Bogue Chitto?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.
Calmer than 361 of the 426 Mississippi towns we cover.
Bogue Chitto is smaller than a census tract, so it shares the figures of the tract around its center.
What Bogue Chitto faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Hurricanes
Heat waves
Drought
Strong wind
4 federal disasters brought FEMA money to Bogue Chitto
Disasters that paid out in Bogue Chitto itself (aid to households or repair grants to Bogue Chitto) and its biggest flood years.
- 2026Severe Storms, Straight-Line Winds, Tornadoes, and Flooding436 households applied for aid$1.4M aid approved
- 2012Hurricane Isaac232 households applied for aid$107K aid approved
- 2005Hurricane Katrina1,441 households applied for aid$1.3M aid approved
- 2003Severe Storms, Tornadoes, Floods195 households applied for aid$151K aid approved
Lincoln County has had 25 natural disasters declared since 1953, most often hurricanes and severe storms.
Old photos of Bogue Chitto after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bogue Chitto archive →Get ready for what Bogue Chitto actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–September
The month each of Lincoln County’s 25 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Bogue Chitto’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bogue Chitto.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Bogue Chitto.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.