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Joiner AR 10 City HallPhoto: Thomas R Machnitzki · CC BY 3.0
–Not graded
Natural hazards in Joiner · FEMA

Storms, floods and disasters in Joiner

Joiner isn’t graded for hazard risk: Joiner has 454 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 15 declared for Mississippi County
By hazard

What Joiner faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

47%of expected building damage
Well above average · in the top 9% of U.S. census tracts

River and rain flooding

41%of expected building damage
About average · higher than 56% of U.S. census tracts
Recorded about once a year in the area

Ice storms

5%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Winter storms top 4% Hail Strong wind Hurricanes Cold waves Lightning Wildfire Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 29% of Joiner’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Joiner flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Joiner. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Joiner isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Mississippi County.
What’s been done with FEMA grants
1storm safe room built
Disasters

2 federal disasters brought FEMA money to Joiner

Disasters that paid out in Joiner itself (aid to households or repair grants to the City of Joiner), newest first, with that year’s flood claims.

  1. 2011Severe Storms, Tornadoes, and Associated Flooding10 households applied for aid$13K aid approved
  2. 2000Severe Winter Ice Storm$28K to the City of Joiner for repairs
Disasters declared, by decade
Paid out in JoinerMississippi County only

Mississippi County has had 15 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Joiner after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Joiner archive →
Be ready

Get ready for what Joiner faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Ice storms
  • Ice brings down trees and lines: plan for days without power.
  • Run a generator outside, far from doors and windows.
  • Keep sand or salt by the door.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Joiner

Is Joiner in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Mississippi County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Joiner?

FEMA’s Community Rating System list shows no discount for Joiner’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Joiner?

By FEMA money that reached Joiner, Severe Winter Ice Storm (2000): $28K to the City of Joiner for repairs.

Storm stories

Memories, warnings and help from neighbors in Joiner.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Joiner’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.