55 flood insurance claims·$1.8M paid·13 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 Stone 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 heavy rainfall dominates the flood risk profile in Stone County, Mississippi, accounting for the vast majority of local flood events over the past thirty years alongside occasional tropical systems and hurricanes. NOAA storm records document multiple significant flash flood episodes, including a severe weather event in April 2021 driven by a moist, unstable airmass and a wet regional pattern that produced heavy rainfall in August 2022.
National Flood Insurance Program records indicate that flood claims occur in both high-risk and moderate-to-low risk areas. Properties located in FEMA Zone A recorded 38 claims with an average payout of $29,567 and an average recorded water depth of 3 inches. Meanwhile, properties in Zone X recorded 14 claims with a higher average payout of $77,925 and an average recorded water depth of 2 inches, while a single claim in unshaded Zone X recorded an average water depth of 5 inches and an average payout of $6,944.
Homeowners and real estate agents managing properties in designated high-risk Special Flood Hazard Areas like Zone A, as well as those in Zone X where claims demonstrate that severe water damage still occurs, should pay the closest attention to local flood risks and insurance coverage requirements.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
3% of Stone County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
39 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 3 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 2026, with 22 claims and $1.3M 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.
13 NOAA storm reports from Stone County describe what happened, in the words of the forecasters who covered it. Read the Mississippi flood stories →
30 federal disaster declarations since 1969, 13 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Hurricane Ida | Aug 28, 2021 |
| Hurricane Zeta | Oct 28, 2020 |
| Hurricane Delta | Oct 7, 2020 |
| Hurricane Sally | Sep 14, 2020 |
| Hurricane Marco And Tropical Storm Laura | Aug 23, 2020 |
| Hurricane Nate | Oct 6, 2017 |
| Hurricane Isaac | Aug 26, 2012 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
53 since 1996: 45 flash floods and 1 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 10, 2025 | — |
| Flash Flood | Apr 10, 2024 | — |
| Flash Flood | Aug 25, 2022 | — |
| Flash Flood | Mar 30, 2021 | — |
| Flash Flood | Mar 24, 2021 | — |
| Flash Flood | Jun 22, 2021 | — |
| Flash Flood | Jun 19, 2021 | — |
| Flash Flood | Apr 10, 2021 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 10, 2025. Thunderstorms produced heavy rain and wind damage in southeast Mississippi.
Flash Flood · Apr 10, 2024. Slow moving storms produced heavy rain which caused flooding in southeast Mississippi.
Flash Flood · Aug 25, 2022. A wet pattern continued across the Gulf Coast as additional heavy rain led to numerous flooding reports across southwest Alabama and southeast Mississippi.
Flash Flood · Mar 30, 2021. Slow moving thunderstorms produced heavy rain and flooding in southeast Mississippi.
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 Stone 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.