Natural hazards · Senatobia

Senatobia, MS natural hazards

Most of the natural-hazard damage FEMA expects in Senatobia comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Senatobia?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Senatobia to be higher than in 39% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes39%Tornadoes22%Inland flooding17%Cold waves8%Heat waves8%Everything else5%

By hazard

What Senatobia faces

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

Earthquakes

39% of expected damage

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

Tornadoes

22% of expected damage

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

Inland flooding

17% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Heat waves

8% 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 Senatobia flood?

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

8paid claims since 1978

$325Kpaid to owners

1homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Senatobia 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.

What’s been done with FEMA grants

27storm safe rooms built

1buildings retrofitted against wind

Disasters that hit Senatobia

2 federal disasters brought FEMA money here

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

Brought FEMA money into SenatobiaDeclared for Tate County only

2026

Severe Winter Storm

823 households applied for aid $1.5M aid approved $95K to the City of Senatobia for repairs

2011

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

$10K to the City of Senatobia for repairs

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. Senatobia covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Senatobia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Senatobia. 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 Senatobia total about $2.8M 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.