Enter any address in Franklin County, Mississippi to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Franklin County, MS, with 32 occurrences recorded by NOAA over the last 30 years. Other flood-related events include tropical storms and hurricanes. For example, heavy rainfall from thunderstorms caused flash flooding on October 26, 2025, and again on January 24, 2024. Tropical Storm Francine also brought strong winds and damage to the area on September 12, 2024.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced an average payout of $20,739 with an average water depth of 3.0 feet. Properties in Zone X_SHADED have also seen significant claims, averaging $5,859 with 4.0 feet of water depth. Homeowners in areas designated as Zone A or Zone X_SHADED, as well as those in areas with unknown flood risk, should pay particular attention to flood preparedness.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
18 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Franklin County, Mississippi has recorded 42 flood-related events since 1996 according to NOAA's Storm Events Database, including 32 flash floods and 2 river or area floods. The county has received 24 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes. | Severe Storm | Jun 14, 2023 |
| Hurricane Ida | Hurricane | Aug 28, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Hurricane Delta | Hurricane | Oct 7, 2020 |
| Hurricane Sally | Hurricane | Sep 14, 2020 |
| Hurricane Marco And Tropical Storm Laura | Hurricane | Aug 23, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Isaac | Hurricane | Aug 26, 2012 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Oct 26, 2025 | 25.00K |
| Flash Flood | Jan 24, 2024 | 25.00K |
| Flash Flood | Jan 24, 2024 | 100.00K |
| Flash Flood | Jan 24, 2024 | 35.00K |
| Flash Flood | Jan 24, 2024 | 1.00K |
| Tropical Storm | Sep 12, 2024 | 20.00K |
| Flash Flood | Jun 30, 2022 | 1.00K |
| Tropical Storm | Aug 30, 2021 | 250.00K |
| Flood | Apr 24, 2021 | 5.00K |
| Flash Flood | Jul 10, 2021 | 10.00K |
Flash Flood — Oct 26, 2025
A line of thunderstorms formed west of the area and moved across Mississippi early in the morning. Some of these thunderstorms produced damaging wind gusts and heavy rainfall.
Flash Flood — Jan 24, 2024
With an upper-level trough of low pressure situated over Central Plains and a very moist air mass extending north through the Mississippi River Valley, training showers and thunderstorms produced heavy rain and flooding over parts of Mississippi.
Tropical Storm — Sep 12, 2024
Tropical Storm Francine made landfall in southern Louisiana on the evening of September 11th, 2024. The weakening storm produced strong wind damage as it moved across central Mississippi the morning of September 12th, 2024.
Flash Flood — Jun 30, 2022
Afternoon heating brought scattered showers and thunderstorms. Plentiful moisture in these storms resulted in localized flash flooding.
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...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Franklin County, Mississippi:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Franklin County, Mississippi that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.