Natural hazards · Helena

Helena, MS natural hazards

Most of the natural-hazard damage FEMA expects in Helena comes from hurricanes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Helena?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Helena to be higher than in 95% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes51%Inland flooding35%Everything else15%

By hazard

What Helena faces

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

Hurricanes

51% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

35% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Helena flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Helena

2 federal disasters brought FEMA money here

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

Brought FEMA money into HelenaDeclared for Jackson County only

2005

Hurricane Katrina

2 households applied for aid $6K aid approved

2004

Hurricane Ivan

1 household applied for aid $3K aid approved

Jackson County has had 26 natural disasters declared since 1953, most often hurricanes and severe storms.

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