Natural hazards · Terry

Terry, MS natural hazards

Most of the natural-hazard damage FEMA expects in Terry comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Terry?

High

vs. U.S. communities

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

Inland flooding37%Tornadoes19%Hail13%Heat waves9%Cold waves7%Everything else15%

By hazard

What Terry faces

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

Inland flooding

37% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 16 years in the area

Hail

13% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

9% of expected damage

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

Recorded about 16 times a year in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Terry flood?

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

18paid claims since 1979

$239Kpaid to owners

4homes flooded more than once

19792026

Biggest named events

2026-06-Arthur-TS: 1 claim, $7K

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

Insurance rates: Hinds County.

What’s been done with FEMA grants

27storm safe rooms built

Disasters that hit Terry

6 federal disasters brought FEMA money here

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

Brought FEMA money into TerryDeclared for Hinds County only

2026

Severe Winter Storm

1 household applied for aid

2024

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

224 households applied for aid $207K aid approved

2012

Hurricane Isaac

7 households applied for aid $16K aid approved

2011

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

10 households applied for aid

2005

Hurricane Katrina

1,078 households applied for aid $535K aid approved $12K to the Town of Terry for repairs

2003

Severe Storms, Tornadoes, Floods

3 households applied for aid $8K aid approved

Hinds County has had 21 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. Terry covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Terry’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Terry. 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 Terry total about $1.7M 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.