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–Not graded
Natural hazards in Esto · FEMA

Storms, floods and disasters in Esto

Esto isn’t graded for hazard risk: Esto has 375 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 29 declared for Holmes County
By hazard

What Esto faces

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

Hurricanes

74%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once every 5 years in the area

River and rain flooding

22%of expected building damage
About average · lower than 53% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Strong wind Earthquakes Wildfire Lightning Hail Winter storms Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Esto flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Esto. 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

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

Insurance rates: Holmes County.
Disasters

4 federal disasters brought FEMA money to Esto

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

  1. 2018Hurricane Michael$70K to the Town of Esto for repairs
  2. 2013Severe Storms and Flooding$9K to the Town of Esto for repairs
  3. 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds$7K to the Town of Esto for repairs
  4. 2004Hurricane Ivan$13K to the Town of Esto for repairs
Disasters declared, by decade
Paid out in EstoHolmes County only

Holmes County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Holmes County, 1999–1999.

Were you here?

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

Add to the Esto archive →
Be ready

Get ready for what Esto faces

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

Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
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 ↗
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 Esto

Is Esto 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 Holmes County, 8% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Esto?

FEMA’s Community Rating System list shows no discount for Esto’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 Esto?

By FEMA money that reached Esto, Hurricane Michael (2018): $70K to the Town of Esto for repairs.

Storm stories

Memories, warnings and help from neighbors in Esto.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Esto’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.