Photo: JERRYE AND ROY KLOTZ MD · CC BY-SA 3.0Storms, floods and disasters in Mound City
Mound City isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Mound City yet. Flood insurance has paid 6 claims here since 1982.
What Mound City 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.
Does Mound City flood? Rarely: 6 flood claims since 1982
Every paid claim on a federal flood insurance policy in Mound City, from FEMA’s records.
- The Midwest Flooding2 claims · $123K
- The Late spring storms1 claim · $2K
Mound City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Holt County.4 federal disasters brought FEMA money to Mound City
Disasters that paid out in Mound City itself (aid to households or repair grants to the City of Mound City), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, and Flooding56 households applied for aid$184K aid approved$36K to the City of Mound City for repairs1 flood claim paid that year
- 2011Flooding2 households applied for aid$9K to the City of Mound City for repairs1 flood claim paid that year
- 2007Severe Winter Storms$71K to the City of Mound City for repairs
- 2007Severe Storms and Flooding2 households applied for aid$437 aid approved
Holt County has had 20 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 Mound City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mound City archive →Get ready for what Mound City 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 Mound City
Does Mound City flood?
Flood insurance has paid 6 claims in Mound City since 1982, $155K in all. 1 properties have flooded more than once. The most claims came from Midwest Flooding (2).
Is Mound City 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 Holt County, 5.2% of all homes carry federal flood insurance.
How much is flood insurance in Mound City?
FEMA’s Community Rating System list shows no discount for Mound City’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 Mound City?
By FEMA money that reached Mound City, Severe Storms, Tornadoes, and Flooding (2019): 56 households applied for aid, $184K approved, and $36K to the City of Mound City for repairs. By flood claims, Midwest Flooding: 2 paid, $123K.
Storm stories
Memories, warnings and help from neighbors in Mound City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mound City’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.