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Downtown Mounds, ILPhoto: Znns · CC BY-SA 4.0
–Not graded
Natural hazards in Mounds · FEMA

Storms, floods and disasters in Mounds

Mounds isn’t graded for hazard risk: Mounds has 986 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2023.

Flood claims
4
paid since 2023 · $82K
Flooded more than once
1
properties
Disasters paid out here
2
of 11 declared for Pulaski County
By hazard

What Mounds faces

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

Earthquakes

46%of expected building damage
Well above average · in the top 5% of U.S. census tracts

River and rain flooding

40%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about 5 times a year in the area

Tornadoes

5%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 12 years in the area
Smaller shares here
 Strong wind top 1% Ice storms top 3% Hail Winter storms top 2% Hurricanes Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 28% of Mounds’ expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Mounds flood? Rarely: 4 flood claims since 2023

Every paid claim on a federal flood insurance policy in Mounds, from FEMA’s records.

Paid flood claims, by year
2023: 1 claim2024: 0 claims2025: 1 claim2026: 2 claims202320252026
20232026
Biggest named events
  • The Central U.S. April Flooding1 claim · $8K
4
paid claims since 2023
$82K
paid to owners
1
homes flooded more than once
$21K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

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

Insurance rates: Pulaski County.
Disasters

2 federal disasters brought FEMA money to Mounds

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

  1. 2011Severe Storms and Flooding172 households applied for aid$254K aid approved
  2. 2003Severe Storms, Tornadoes, and Flooding37 households applied for aid$72K aid approved
Disasters declared, by decade
Paid out in MoundsPulaski County only

Pulaski County has had 11 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.

Were you here?

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

Add to the Mounds archive →
Be ready

Get ready for what Mounds faces

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

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 ↗
Tornado warnings
  • 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.
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 Mounds

Does Mounds flood?

Flood insurance has paid 4 claims in Mounds since 2023, $82K in all. 1 properties have flooded more than once. The most claims came from Central U.S. April Flooding (1).

Is Mounds 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 Pulaski County, 1.3% of all homes carry federal flood insurance.

How much is flood insurance in Mounds?

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

By FEMA money that reached Mounds, Severe Storms and Flooding (2011): 172 households applied for aid, $254K approved. By flood claims, Central U.S. April Flooding: 1 paid, $8K.

Storm stories

Memories, warnings and help from neighbors in Mounds.

Town Square →
Start the conversation

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