Natural hazards · Flora

Flora, MS natural hazards

Most of the natural-hazard damage FEMA expects in Flora comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2014. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Flora?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flora to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes25%Cold waves13%Heat waves6%Everything else19%

By hazard

What Flora faces

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

Inland flooding

37% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

25% of expected damage

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

Recorded about once every 6 years in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Heat waves

6% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Flora flood?

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

1paid claims since 2014

$2Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit Flora

4 federal disasters brought FEMA money here

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

Brought FEMA money into FloraDeclared for Madison County only

2024

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

71 households applied for aid $116K aid approved

2014

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $4K aid approved

2005

Hurricane Katrina

719 households applied for aid $584K aid approved $12K to the Town of Flora for repairs

2003

Severe Storms, Tornadoes, Floods

32 households applied for aid $14K aid approved

Madison County has had 20 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. Flora covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Flora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Flora. 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 Flora total about $3.4M 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.