320 flood insurance claims·$3.7M paid·5 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 Grenada 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 flood history of Grenada County, accounting for 67 out of 72 total flood events recorded over the last 30 years by the NOAA Storm Events Database. Tropical systems, such as Tropical Storm Francine in September 2024, also impact the area. Recent NOAA narratives document localized flash flooding from slow-moving thunderstorms in April 2024 and squall lines producing inundated roads in March 2025.
Federal Emergency Management Agency (NFIP) claim records show that flood risks extend across multiple zones, with the vast majority concentrated in high-risk areas. Zone A accounts for 270 historical claims, with an average payout of $13,967 and an average recorded water depth of 5 inches. Meanwhile, unshaded and shaded Zone X areas combined for 43 claims, averaging between $16,168 and $16,611 in payouts with average water depths of 3 to 4 inches.
Homeowners, real estate agents, and journalists should pay the most attention to properties located in Zone A, where the highest volume of historical flood claims has occurred, while remaining aware that properties in Zone X areas also experience damaging water depths.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
14% of Grenada County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
313 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 5 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 1983, with 94 claims and $1.8M paid, the year of Severe Storms & 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.
30 NOAA storm reports from Grenada County describe what happened, in the words of the forecasters who covered it. Read the Mississippi flood stories →
27 federal disaster declarations since 1971, 5 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 |
| Hurricane Ida | Aug 28, 2021 |
| Severe Winter Storms | Feb 11, 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 |
| Hurricane Isaac | Aug 26, 2012 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
72 since 1996: 67 flash floods and 1 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 25, 2025 | $5,000 |
| Flash Flood | Mar 15, 2025 | $5,000 |
| Flood | Sep 12, 2024 | $1,000 |
| Flash Flood | Apr 8, 2024 | $5,000 |
| Tropical Storm | Aug 30, 2021 | $15,000 |
| Flash Flood | Jun 10, 2021 | $300,000 |
| Flash Flood | Jun 8, 2021 | $35,000 |
| Flash Flood | Feb 10, 2020 | $10,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Apr 25, 2025. Heavy rain produced flash flooding in portions of Grenada, Mississippi, where several roads were inundated.
Flash Flood · Mar 15, 2025. Isolated severe thunderstorms developed across portions of Mississippi in the overnight hours of March 14th. Coverage of severe storms increased into the morning of the 15th before a squall line developed and moved across the area.
Flood · 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 · Apr 8, 2024. An isolated, slow moving thunderstorm caused localized flash flooding in western Grenada County around midday on April 8th.
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 Grenada 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.