Natural hazards · Tchula

Tchula, MS natural hazards

Most of the natural-hazard damage FEMA expects in Tchula comes from drought, and overall the risk is moderate for a U.S. community. Flood insurance has paid 20 claims here since 1980. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tchula?

Moderate

vs. U.S. communities

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

Drought26%Tornadoes21%Inland flooding16%Cold waves13%Everything else24%

By hazard

What Tchula faces

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

Drought

26% of expected damage

Recorded about 14 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 7 years in the area

Inland flooding

16% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Tchula flood?

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

20paid claims since 1980

$95Kpaid to owners

3homes flooded more than once

19802026

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. Tchula isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Holmes County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Tchula

7 federal disasters brought FEMA money here

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

Brought FEMA money into TchulaDeclared for Holmes County only

2026

Severe Winter Storm

784 households applied for aid $3.0M aid approved $17K to the Town of Tchula for repairs

2016

Severe Storms and Flooding

$2K to the Town of Tchula for repairs

2011

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

8 households applied for aid $32K aid approved

2010

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $5K aid approved

2005

Hurricane Katrina

456 households applied for aid $455K aid approved $22K to the Town of Tchula for repairs

2003

Severe Storms, Tornadoes, Floods

39 households applied for aid $53K aid approved

2001

Severe Storms, Tornadoes and Flooding

$36K to the Town of Tchula for repairs

Holmes County has had 25 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. Tchula 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 Tchula’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Tchula. 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.