16 flood insurance claims·$268,443 paid·3 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Carroll County, Mississippi. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from severe storms dominates the local flood profile, backed by 31 recorded flash flood events alongside impacts from tropical systems over the last 30 years. NOAA storm records document significant flooding during a slow-moving storm system in June 2021 that produced flooding rains and flooded homes and roads across the region, as well as severe storms that brought flash flooding between the evening of April 5th and morning of April 6th, 2025.
National Flood Insurance Program records show claims across multiple zones with varying severity. Zone A recorded 10 claims with an average payout of $9,186 and an average recorded water depth of 1 inch. Zone X_UNSHADED logged 3 claims with an average payout of $51,600 and an average recorded water depth of 2 inches, while Zone X registered 2 claims averaging a $14,602 payout and an average recorded water depth of 99 inches. Zone X_SHADED recorded 1 claim with a $10,951 payout and an average recorded water depth of 0 inches.
Homeowners, real estate agents, and journalists working with properties located in both standard high-risk zones and moderate-to-low risk unshaded zones should pay close attention to these historical payout and water depth patterns when evaluating local flood exposure.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 10 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1991, with 5 claims and $33,839 paid, the year of Severe Storms, Tornadoes & Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
23 NOAA storm reports from Carroll County describe what happened, in the words of the forecasters who covered it. Read the Mississippi flood stories →
24 federal disaster declarations since 1971, 3 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Mar 14, 2025 |
| Severe Storms, Straight-line Winds, And Tornadoes | Mar 24, 2023 |
| Hurricane Ida | Aug 28, 2021 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Apr 12, 2020 |
| Severe Storms, Flooding, And Mudslides | Feb 10, 2020 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Feb 22, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Apr 30, 2017 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
36 since 1996: 31 flash floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 5, 2025 | $1,000 |
| Flash Flood | Mar 24, 2023 | $1,000 |
| Tropical Storm | Aug 30, 2021 | $15,000 |
| Flash Flood | Jun 10, 2021 | $250,000 |
| Flash Flood | Sep 5, 2021 | $5,000 |
| Flash Flood | Feb 22, 2019 | $30,000 |
| Flash Flood | Feb 22, 2019 | $10,000 |
| Flash Flood | Feb 20, 2019 | $10,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Apr 5, 2025. On the evening of April 5th into the morning of April 6th, strong to severe storms produced tornadoes, damaging winds and flash flooding.
Flash Flood · Mar 24, 2023. In the afternoon and evening of the 24th, clusters of strong to severe storms were stretched from southwest to northeast across southeastern Arkansas as robust instability and very strong wind shear served to produce a volatile severe weather environment. To the east in Mississippi, storm activity proved to be more isolated as deep convection struggled develop across the state. With much of the area not being conv…
Tropical Storm · Aug 30, 2021. Major hurricane Ida made landfall as a strong category four hurricane around 11:55am on August 29 near Grand Isle, LA. It then moved very slowly north through south central Louisiana and into Mississippi on August 30. It then turned northeast and moved across the Jackson metro area as a tropical storm and into northeast Mississippi as a tropical depression through the early morning of August 31. Ida brought tropic…
Flash Flood · Jun 10, 2021. A slow moving storm system over the central United States produced another few rounds of thunderstorms with severe weather and flooding rains. Significant flooding occurred over portions of central and northern Mississippi, with many homes and roads flooded across the region.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Carroll County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.