343 flood insurance claims·$3.8M 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 Humphreys 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 dominates the local flood hazard profile for Humphreys County, accounting for 21 of the 24 recorded flood events over the last 30 years alongside two hurricane events and one general flood. NOAA storm records document significant flash flooding events in January and February 2020, driven by stationary and warm fronts interacting with anomalous moisture to produce widespread rainfall totals of two to six inches on saturated ground, as well as repeated storm movements along the Highway 82 corridor.
National Flood Insurance Program records indicate that flood risks extend across multiple zones, with Zone A properties experiencing the highest claims volume at 188 filings with an average payout of $15,624 and an average recorded water depth of 7 inches. Zone X_UNSHADED properties recorded the highest average water depth at 28 inches across 16 claims with an average payout of $14,113.
Homeowners and real estate agents managing properties in Zone A and Zone X_UNSHADED should pay the closest attention to flood risk, given the heavy claim frequencies and significant average water depths associated with these designations.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
16% of Humphreys County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
224 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 6 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 1982, with 55 claims and $173,638 paid.
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.
14 NOAA storm reports from Humphreys County describe what happened, in the words of the forecasters who covered it. Read the Mississippi flood stories →
25 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 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 8, 2024 |
| Severe Storms, Straight-line Winds, And Tornadoes. | Jun 14, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Mar 24, 2023 |
| Hurricane Ida | Aug 28, 2021 |
| Hurricane Delta | Oct 7, 2020 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Feb 22, 2019 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
24 since 1996: 21 flash floods and 1 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 18, 2020 | $5,000 |
| Flash Flood | Jan 14, 2020 | $2,000 |
| Flash Flood | Jan 14, 2020 | $3,000 |
| Flash Flood | Feb 10, 2020 | $7,000 |
| Flash Flood | Apr 14, 2014 | $5,000 |
| Flash Flood | Jul 11, 2012 | $5,000 |
| Flash Flood | Apr 15, 2011 | $5,000 |
| Flood | May 8, 2011 | $500,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Feb 18, 2020. A cold front sank very slowly south into the northern parts of the ArkLaMiss. With abundant moisture in place, storms moved repeatedly over the same locations. This resulted in flash flooding for locations generally along and north of the Highway 82 corridor.
Flash Flood · Jan 14, 2020. A warm front was situated across southern Mississippi during the evening of January 13th. This, combined with a passing disturbance and anomalous moisture, supported numerous thunderstorms and heavy rainfall that produced widespread rainfall between 2 and 6 inches with the heavies corridor right across the central portion of the forecast area. This resulted in widespread flash flooding across the region as this ad…
Flash Flood · Feb 10, 2020. Anomalous moisture was in place across the ArkLaMiss region as a stationary front was draped across the area. To the north of this front, severe storms brought hail while flash flooding occurred to the south as well as a tornado. Heavy rain occurred from February 10th-12th, with widespread two to seven inches occurring along and north of the I-20 corridor. Some locations saw locally higher amounts of nine to ten i…
Flash Flood · Apr 14, 2014. A complex weather setup developed as a potent storm system combined with deep moisture and a old outflow boundary to bring multiple rounds of rain and some severe weather. Heavy rainfall, some amounts over 4 inches, occurred during this event and combined with saturated soils to produce flash flooding. As for severe weather, some of the stronger storms produced scattered wind damage.
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 Humphreys 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.