Storms, floods and disasters in Mellwood
Mellwood isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Mellwood yet.
What Mellwood faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
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.
Does Mellwood flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mellwood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mellwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Phillips County.2 federal disasters brought FEMA money to Mellwood
Disasters that paid out in Mellwood itself (aid to households or repair grants to Mellwood), newest first, with that year’s flood claims.
- 2011Severe Storms, Tornadoes, and Associated Flooding24 households applied for aid$96K aid approved
- 2003Severe Storms, Tornadoes, and Flooding12 households applied for aid$23K aid approved
Phillips 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.
Old photos of Mellwood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mellwood archive →Get ready for what Mellwood faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Mellwood
Is Mellwood 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 Phillips County, 10% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.
How much is flood insurance in Mellwood?
FEMA’s Community Rating System list shows no discount for Mellwood’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 Mellwood?
By FEMA money that reached Mellwood, Severe Storms, Tornadoes, and Associated Flooding (2011): 24 households applied for aid, $96K approved.
Storm stories
Memories, warnings and help from neighbors in Mellwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mellwood’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.