Natural hazards · Pheba

Pheba, MS natural hazards

Most of the natural-hazard damage FEMA expects in Pheba comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pheba?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pheba to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding25%Tornadoes24%Cold waves18%Earthquakes7%Drought6%Hurricanes6%Everything else15%

By hazard

What Pheba faces

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

Inland flooding

25% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 6 years in the area

Cold waves

18% of expected damage

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

Recorded about once a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 78% of U.S. places

Drought

6% of expected damage

Recorded about 15 times a year in the area

Hurricanes

6% of expected damage

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

Recorded about once every 14 years in the area

Lower here

HailIce stormsWinter weatherWildfireLandslidesStrong 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 Pheba flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

What’s been done with FEMA grants

30storm safe rooms built

Disasters that hit Pheba

3 federal disasters brought FEMA money here

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

Brought FEMA money into PhebaDeclared for Clay County only

2019

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

1 household applied for aid

2011

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

102 households applied for aid $202K aid approved

2005

Hurricane Katrina

11 households applied for aid $3K aid approved

Clay County has had 22 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. Pheba 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 Pheba’s own flood-insurance community; household aid to the registrant’s city; repair grants to Pheba. 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.