Gillham House · Photo: Valis55 · CC BY-SA 3.0Storms, floods and disasters in Mountain Pine
Mountain Pine isn’t graded for hazard risk: Mountain Pine has 555 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2015.
What Mountain Pine 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
Tornadoes
Ice storms
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 Mountain Pine flood? Rarely: 4 flood claims since 2015
Every paid claim on a federal flood insurance policy in Mountain Pine, from FEMA’s records.
Mountain Pine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Garland County.3 federal disasters brought FEMA money to Mountain Pine
Disasters that paid out in Mountain Pine itself (aid to households or repair grants to the City of Mountain Pine), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding9 households applied for aid$17K aid approved1 flood claim paid that year
- 2011Severe Storms, Tornadoes, and Associated Flooding9 households applied for aid$6K aid approved
- 2008Severe Storms, Tornadoes, and Flooding3 households applied for aid$17K aid approved
Garland County has had 16 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 Mountain Pine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mountain Pine archive →Get ready for what Mountain Pine 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.
- 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.
- 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.
- 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 Mountain Pine
Does Mountain Pine flood?
Flood insurance has paid 4 claims in Mountain Pine since 2015, $106K in all.
Is Mountain Pine 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 Garland County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Mountain Pine?
FEMA’s Community Rating System list shows no discount for Mountain Pine’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 Mountain Pine?
By FEMA money that reached Mountain Pine, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 9 households applied for aid, $17K approved.
Storm stories
Memories, warnings and help from neighbors in Mountain Pine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mountain Pine’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.