Natural hazards · Lula

Lula, MS natural hazards

Most of the natural-hazard damage FEMA expects in Lula comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lula?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lula to be higher than in 69% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding27%Earthquakes23%Tornadoes23%Drought9%Heat waves6%Everything else14%

By hazard

What Lula faces

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

Inland flooding

27% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Earthquakes

23% of expected damage

Well above average · higher than 86% of U.S. places

Tornadoes

23% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 8 years in the area

Drought

9% of expected damage

Recorded about 13 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 23 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Lula flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coahoma County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Lula

4 federal disasters brought FEMA money here

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

Brought FEMA money into LulaDeclared for Coahoma County only

2026

Severe Winter Storm

53 households applied for aid $369K aid approved

2015

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

1 household applied for aid

2011

Flooding

6 households applied for aid

2011

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

12 households applied for aid $720 aid approved

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