Natural hazards · Stewart

Stewart, MS natural hazards

Most of the natural-hazard damage FEMA expects in Stewart comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stewart?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stewart to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes23%Cold waves11%Strong wind8%Earthquakes8%Heat waves6%Everything else14%

By hazard

What Stewart faces

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

Inland flooding

31% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 6 years in the area

Cold waves

11% of expected damage

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

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 77% of U.S. places

Heat waves

6% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Stewart flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Stewart

5 federal disasters brought FEMA money here

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

Brought FEMA money into StewartDeclared for Montgomery County only

2026

Severe Winter Storm

11 households applied for aid $23K aid approved

2025

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

1 household applied for aid $5K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

5 households applied for aid $1K aid approved

2011

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

32 households applied for aid $59K aid approved

2005

Hurricane Katrina

2 households applied for aid

Montgomery County has had 16 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. Stewart 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 Stewart’s own flood-insurance community; household aid to the registrant’s city; repair grants to Stewart. 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.