Natural hazards · Toccopola

Toccopola, MS natural hazards

Most of the natural-hazard damage FEMA expects in Toccopola comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Toccopola?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toccopola to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding26%Cold waves21%Tornadoes20%Earthquakes10%Heat waves10%Everything else13%

By hazard

What Toccopola faces

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

Inland flooding

26% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Cold waves

21% of expected damage

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

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 14 years in the area

Earthquakes

10% of expected damage

Well above average · higher than 80% of U.S. places

Heat waves

10% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 16 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 Toccopola flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pontotoc County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit Toccopola

1 federal disaster brought FEMA money here

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

Brought FEMA money into ToccopolaDeclared for Pontotoc County only

2026

Severe Winter Storm

2 households applied for aid $3K aid approved

Pontotoc 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. Toccopola 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 Toccopola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Toccopola. 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.