FEMA expects less hazard damage per building in Minorca than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Minorca gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then tornadoes (16%). 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 Minorca 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
Hurricanes
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 Minorca’s grade
River and rain flooding is 54% of the building damage FEMA expects in Minorca, and Minorca’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts. Next is tornadoes at 16% (higher than 83% of U.S. census tracts).
A− lower expected damage per building than 80% of U.S. towns (21,298).
Minorca’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $545K a year in losses across Minorca: $268K to buildings, the rest to people and crops.
Does Minorca flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Minorca. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Minorca isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Concordia Parish.The storms Minorca remembers
None of the 28 disasters declared for Concordia Parish shows FEMA aid or repair money reaching Minorca itself in FEMA’s records, so these are its biggest flood-claim years.
Concordia Parish has had 28 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods.
Minorca and its neighbors
Minorca is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Vidalia | Aless damage than 89% | river and rain flooding | 61 |
| Minorca | A−less damage than 80% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Minorca 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.
- 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.
- 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 Minorca
Is Minorca at risk for natural disasters?
On FEMA’s National Risk Index, Minorca has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (54%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Minorca 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 Concordia Parish, 8.8% of all homes carry federal flood insurance.
How much is flood insurance in Minorca?
FEMA’s Community Rating System list shows no discount for Minorca’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Minorca at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Minorca’s rate for it is lower than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Minorca.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Minorca’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.