Natural hazards · Cruger

Cruger, MS natural hazards

Most of the natural-hazard damage FEMA expects in Cruger comes from drought, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cruger?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cruger to be higher than in 49% of U.S. communities, mostly from drought and tornadoes.

Drought26%Tornadoes21%Inland flooding16%Cold waves13%Everything else24%

By hazard

What Cruger faces

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

Drought

26% of expected damage

Recorded about 14 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 7 years in the area

Inland flooding

16% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Cruger flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Holmes County.

Disasters that hit Cruger

3 federal disasters brought FEMA money here

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

Brought FEMA money into CrugerDeclared for Holmes County only

2026

Severe Winter Storm

167 households applied for aid $805K aid approved

2005

Hurricane Katrina

40 households applied for aid $33K aid approved

2003

Severe Storms, Tornadoes, Floods

1 household applied for aid $1K aid approved

Holmes County has had 25 natural disasters declared since 1953, most often severe storms and hurricanes.

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