Storms, floods and disasters in Mulat
Mulat isn’t graded for hazard risk: Mulat has 307 residents; we grade towns of 1,000 or more. Flood insurance has paid 13 claims here since 2014.
What Mulat faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Mulat flood? Sometimes: 13 flood claims since 2014
Every paid claim on a federal flood insurance policy in Mulat, from FEMA’s records.
- Hurricane Sally12 claims · $717K
- The Mid-spring storms1 claim · $3K
Mulat isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Santa Rosa County.The storms Mulat remembers
None of the 35 disasters declared for Santa Rosa County shows FEMA aid or repair money reaching Mulat itself in FEMA’s records, so these are its biggest flood-claim years.
- 202012 flood claims paidThe year of Hurricane Sally, declared for Santa Rosa County
- 20141 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and Flooding, declared for Santa Rosa County
Santa Rosa County has had 35 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 Santa Rosa County, 2020–2020.
Old photos of Mulat after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mulat archive →Get ready for what Mulat faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Mulat
Does Mulat flood?
Flood insurance has paid 13 claims in Mulat since 2014, $720K in all. The most claims came from Hurricane Sally (12).
Is Mulat 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 Santa Rosa County, 67% of homes in mapped flood zones carry federal flood insurance, and 14.0% of all homes do.
How much is flood insurance in Mulat?
FEMA’s Community Rating System list shows no discount for Mulat’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 Mulat?
By flood claims, Hurricane Sally: 12 paid, $717K.
Storm stories
Memories, warnings and help from neighbors in Mulat.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mulat’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.