Natural hazards · Derma

Derma, MS natural hazards

Most of the natural-hazard damage FEMA expects in Derma comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Derma?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Derma to be higher than in 64% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding38%Earthquakes18%Tornadoes14%Cold waves10%Heat waves8%Everything else12%

By hazard

What Derma faces

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

Inland flooding

38% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Earthquakes

18% of expected damage

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

Tornadoes

14% of expected damage

Well above average · higher than 93% of U.S. places

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Heat waves

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Derma flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calhoun County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Derma

5 federal disasters brought FEMA money here

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

Brought FEMA money into DermaDeclared for Calhoun County only

2026

Severe Winter Storm

14 households applied for aid $41K aid approved $11K to the Town of Derma for repairs

2020

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

$19K to the Town of Derma for repairs

2011

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

$2K to the Town of Derma for repairs

2005

Hurricane Katrina

$4K to the Town of Derma for repairs

2003

Severe Storms, Tornadoes and High Winds

1 household applied for aid $691 aid approved

Calhoun County has had 18 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. Derma 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 Derma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Derma. 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.