Natural hazards · Independence

Independence, MS natural hazards

Most of the natural-hazard damage FEMA expects in Independence comes from tornadoes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Independence?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Independence to be higher than in 54% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes25%Inland flooding24%Earthquakes20%Cold waves11%Heat waves11%Everything else9%

By hazard

What Independence faces

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

Tornadoes

25% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 14 years in the area

Inland flooding

24% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Earthquakes

20% of expected damage

Well above average · higher than 84% of U.S. places

Cold waves

11% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Heat waves

11% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 21 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 Independence flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tate County.

Disasters that hit Independence

Federal disasters declared here

None of the disasters declared for Tate County shows FEMA aid or repair money reaching Independence itself in FEMA’s records.

Brought FEMA money into IndependenceDeclared for Tate County only

Tate County has had 13 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. Independence 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 Independence’s own flood-insurance community; household aid to the registrant’s city; repair grants to Independence. 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.