Natural hazards · Ridgeland

Ridgeland, MS natural hazards

Most of the natural-hazard damage FEMA expects in Ridgeland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 48 claims here since 1983. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ridgeland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ridgeland to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes26%Cold waves11%Everything else18%

By hazard

What Ridgeland faces

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

Inland flooding

45% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

26% of expected damage

Well above average · among the top 1% of U.S. places

Cold waves

11% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Ridgeland flood?

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

48paid claims since 1983

$1.0Mpaid to owners

10homes flooded more than once

19832026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Ridgeland is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Madison County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Ridgeland

6 federal disasters brought FEMA money here

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

Brought FEMA money into RidgelandDeclared for Madison County only

2026

Severe Winter Storm

2 households applied for aid

2024

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

306 households applied for aid $192K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes.

1 household applied for aid

2014

Severe Storms, Tornadoes, and Flooding

3 households applied for aid

2005

Hurricane Katrina

1,438 households applied for aid $664K aid approved

2003

Severe Storms, Tornadoes, Floods

56 households applied for aid $151K aid approved

Madison County has had 20 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Ridgeland

Ridgeland and the towns around it

Very lowLowModerateHighVery high

Jacksonmostly inland floodingVery high

Ridgelandmostly inland floodingHigh

Madisonmostly inland floodingModerate

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. Ridgeland covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Ridgeland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ridgeland. 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 Ridgeland total about $16.1M 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.