Photo: Jared Winkler · CC BY-SA 4.0FEMA expects more hazard damage per building in Dunlap than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dunlap gets a C− for hazard risk: higher expected damage per building than 81% of U.S. towns. Most of that expected damage is river and rain flooding (81%). 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 Dunlap 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
Hail
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 Dunlap’s grade
River and rain flooding is 81% of the building damage FEMA expects in Dunlap, and Dunlap’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Hail adds 6%, at a rate in the top 9% of U.S. census tracts.
C− higher expected damage per building than 81% of U.S. towns (21,298).
All of Dunlap’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $970K a year in losses across Dunlap: $552K to buildings, the rest to people and crops.
Does Dunlap flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Dunlap. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Dunlap isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harrison County.4 federal disasters brought FEMA money to Dunlap
Disasters that paid out in Dunlap itself (aid to households or repair grants to the City of Dunlap), newest first, with that year’s flood claims.
- 2019Severe Storms and Flooding13 households applied for aid$18K aid approved$27K to the City of Dunlap for repairs
- 2009Severe Winter Storms and Snowstorm$7K to the City of Dunlap for repairs
- 2008Severe Storms, Tornadoes, and Flooding31 households applied for aid$37K aid approved$8K to the City of Dunlap for repairs
- 2007Snow$3K to the City of Dunlap for repairs
Harrison County has had 21 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Dunlap after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dunlap archive →Get ready for what Dunlap 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Dunlap
Is Dunlap at risk for natural disasters?
On FEMA’s National Risk Index, Dunlap has higher expected damage per building than 81% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (7%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Dunlap 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 Harrison County, 14% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Dunlap?
FEMA’s Community Rating System list shows no discount for Dunlap’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 Dunlap?
By FEMA money that reached Dunlap, Severe Storms and Flooding (2019): 13 households applied for aid, $18K approved, and $27K to the City of Dunlap for repairs.
Is Dunlap at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Dunlap’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dunlap.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dunlap’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.