For tornadoes, Mount Zion’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Mount Zion gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then tornadoes (22%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Mount Zion 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
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.
What’s behind Mount Zion’s grade
River and rain flooding is 65% of the building damage FEMA expects in Mount Zion, and Mount Zion’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 3% of U.S. census tracts.
B lower expected damage per building than 57% of U.S. towns (21,298).
Mount Zion’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $468K a year in losses across Mount Zion: $322K to buildings, the rest to people and crops.
Does Mount Zion flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mount Zion. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mount Zion isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carroll County.1 federal disaster brought FEMA money to Mount Zion
Disasters that paid out in Mount Zion itself (aid to households or repair grants to the City of Mount Zion), newest first, with that year’s flood claims.
- 2014Severe Winter Storm$5K to the City of Mount Zion for repairs
Carroll County has had 17 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Mount Zion after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Zion archive →Get ready for what Mount Zion 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.
- 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 Mount Zion
Is Mount Zion at risk for natural disasters?
On FEMA’s National Risk Index, Mount Zion has lower expected damage per building than 57% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (65%) and tornadoes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Mount Zion 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 Carroll County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Mount Zion?
FEMA’s Community Rating System list shows no discount for Mount Zion’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 Mount Zion?
By FEMA money that reached Mount Zion, Severe Winter Storm (2014): $5K to the City of Mount Zion for repairs.
Is Mount Zion at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Mount Zion’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Zion.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Zion’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.