Natural hazards · New Albany

New Albany, MS natural hazards

Most of the natural-hazard damage FEMA expects in New Albany comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 14 claims here since 1983. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is New Albany?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Albany to be higher than in 31% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes35%Inland flooding30%Cold waves13%Tornadoes7%Heat waves5%Everything else10%

By hazard

What New Albany faces

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

Earthquakes

35% of expected damage

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

Inland flooding

30% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 86 years in the area

Heat waves

5% of expected damage

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

Recorded about 16 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 New Albany flood?

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

14paid claims since 1983

$456Kpaid to owners

3homes flooded more than once

19832026

Biggest named events

Hurricane Isaac: 1 claim, $435

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Union County.

What’s been done with FEMA grants

282storm safe rooms built

Disasters that hit New Albany

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in New Albany itself: aid to households, or repair grants to the City of New Albany.

Brought FEMA money into New AlbanyDeclared for Union County only

2026

Severe Winter Storm

870 households applied for aid $1.4M aid approved $2.6M to the City of New Albany for repairs

2010

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $7K aid approved

Union County has had 14 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. New Albany covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to New Albany’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of New Albany. 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 New Albany total about $2.3M 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.