Natural Disasters in Coldwater, MS

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

41.2

Very Low

Expected Annual Loss

40.1

Score (0-100)

Social Vulnerability

54.7

Score (0-100)

Community Resilience

36.7

Score (0-100)

Top Hazard Risks

Earthquake86.9Heat Wave76.3Tornado74.9

Hazard	Risk Score
Earthquake	86.9
Heat Wave	76.3
Tornado	74.9
Wildfire	58.9
Landslide	57.9
Cold Wave	57.2
Drought	50.2
Lightning	48.6
Hurricane	45.8
Ice Storm	34.8
Hail	31.7
Strong Wind	28.3
Winter Weather	11.6

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Feb 2026

Most Common Type

Severe Storm

7 declarations

Date	Type	Declaration
Feb 6, 2026	Winter Storm	SEVERE WINTER STORM
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Oct 22, 2021	Hurricane	HURRICANE IDA
Aug 28, 2021	Hurricane	HURRICANE IDA
Apr 16, 2020	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING
Apr 5, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Mar 25, 2016	Flood	SEVERE STORMS AND FLOODING
Apr 29, 2011	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING
Aug 30, 2008	Hurricane	HURRICANE GUSTAV
Aug 29, 2005	Hurricane	HURRICANE KATRINA
Dec 7, 2001	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Feb 23, 2001	Severe Storm	SEVERE STORMS AND TORNADOES
Feb 18, 1994	Severe Storm	SEVERE WINTER STORM, FREEEZING RAIN AND SLEET
May 17, 1991	Severe Storm	SEVERE STORMS, TORNADOES & FLOODING
Feb 22, 1977	Snowstorm	DROUGHT & FREEZING
Mar 27, 1973	Severe Storm	HEAVY RAINS, TORNADOES & FLOODING

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

Total IA Distributed

$278,250

Repair/Replace

$41,975

Rental Assistance

$8,082

Disaster	Registrations	Total IA $	Avg Damage
DR-4248	1	N/A	—
DR-1604	2	N/A	—
DR-4528	45	$228,193	—
DR-1983	6	$35,086	$8,133
DR-1972	16	$11,771	$2,024
DR-4697	1	$3,200	$3,200

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$1,476,681

Avg Claim Payout

$38,860

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$412,570

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-4268	Flood	7	$129,699
DR-1398	Severe Storm(s)	5	$111,945
DR-4536	Severe Storm(s)	5	$86,238
DR-4528	Biological	2	$66,265
DR-1972	Severe Storm(s)	3	$10,364
DR-1604	Hurricane	1	$8,059

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$1,523,728

Properties Protected

Avg Benefit-Cost Ratio

2.51

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	3	$1,155,534
601.1: Generators	2	$336,858
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)	1	$21,056
602.1: Other Equipment Purchase and Installation	1	$10,280
403.1: Stormwater Management - Culverts	1	$0

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Coldwater has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are earthquake, heat wave, tornado. The area has had 17 federal disaster declarations. The most common disaster type is severe storm (7 declarations). 38 flood insurance claims have been filed in the area. FEMA has obligated $412,570 in public assistance recovery funding. $278,250 has been distributed in individual assistance to disaster-affected residents. 8 hazard mitigation projects have been funded to reduce future risk.