Natural hazards · Winona

Winona, MS natural hazards

Most of the natural-hazard damage FEMA expects in Winona 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 Winona?

Moderate

vs. U.S. communities

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

Inland flooding36%Tornadoes20%Earthquakes12%Cold waves10%Strong wind6%Heat waves6%Everything else10%

By hazard

What Winona faces

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

Inland flooding

36% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 93% of U.S. places

Earthquakes

12% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

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 Winona flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Winona 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

37storm safe rooms built

Disasters that hit Winona

5 federal disasters brought FEMA money here

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

Brought FEMA money into WinonaDeclared for Montgomery County only

2026

Severe Winter Storm

1,023 households applied for aid $2.3M aid approved

2025

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

45 households applied for aid $108K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

983 households applied for aid $1.1M aid approved

2014

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $37K aid approved

2011

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

10 households applied for aid $2K aid approved

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. Winona 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 Winona’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winona. 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.