Photo: PoliticsIsExciting · CC BY-SA 4.0FEMA puts D'Iberville’s expected hazard damage per building above that of 94% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, D'Iberville gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #85 of 101 in Mississippi. Most of that expected damage is hurricanes (64%), then river and rain flooding (28%). Flood insurance has paid 96 claims here since 2005.
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 stands out about D'Iberville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What D'Iberville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 D'Iberville’s grade
Hurricanes are 64% of the building damage FEMA expects in D'Iberville, and D'Iberville’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 3% of U.S. census tracts.
D #85 of 101 in Mississippi; higher expected damage per building than 94% of U.S. towns (21,298).
D'Iberville’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Mississippi town has higher expected damage than 64% of U.S. towns; within the state, D'Iberville has more expected damage per building than 84% of Mississippi towns.
In dollars, FEMA expects about $9.4M a year in losses across D'Iberville: $7.7M to buildings, the rest to people and crops.
Does D'Iberville flood? Sometimes: 96 flood claims since 2005
Every paid claim on a federal flood insurance policy in D'Iberville, from FEMA’s records: 17.8 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Katrina27 claims · $3.2M
- Hurricane Zeta16 claims · $1.1M
- Hurricane Ida8 claims · $282K
D'Iberville is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Harrison County.11 federal disasters brought FEMA money to D'Iberville
Disasters that paid out in D'Iberville itself (aid to households or repair grants to the City of D'Iberville), newest first, with that year’s flood claims.
- 2026Tropical Storm Arthur252 households applied for aid$232K aid approved5 flood claims paid that year
- 2021Hurricane Ida65 households applied for aid$220K aid approved$43K to the City of D'Iberville for repairs8 flood claims paid for it, $282K
- 2020Hurricane Zeta345 households applied for aid$292K aid approved$4.8M to the City of D'Iberville for repairs16 flood claims paid for it, $1.1M
- 2017Hurricane Nate$332K to the City of D'Iberville for repairs6 flood claims paid that year
- 2012Hurricane Isaac118 households applied for aid$21K aid approved$77K to the City of D'Iberville for repairs1 flood claim paid for it, $10K
- 2008Hurricane Gustav15 households applied for aid$3K aid approved$85K to the City of D'Iberville for repairs
Show all 11
- 2005Hurricane Katrina4,018 households applied for aid$24.3M aid approved$23.1M to the City of D'Iberville for repairs27 flood claims paid for it, $3.2M
- 2005Hurricane Dennis$10K to the City of D'Iberville for repairs
- 2004Hurricane Ivan29 households applied for aid$26K aid approved$35K to the City of D'Iberville for repairs
- 2002Tropical Storm Isidore$101K to the City of D'Iberville for repairs
- 2001Tropical Storm Allison$19K to the City of D'Iberville for repairs
Harrison County has had 27 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.
Old photos of D'Iberville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the D'Iberville archive →D'Iberville and its neighbors
D'Iberville is 3rd of the 4 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 |
|---|---|---|---|
| Biloxi | Dmore damage than 92% | hurricanes | 2,496 |
| St. Martin | Dmore damage than 93% | hurricanes | 76 |
| D'Iberville | Dmore damage than 94% | hurricanes | 96 |
| Latimer | Dmore damage than 94% | hurricanes | 12 |
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 D'Iberville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- D'Iberville residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in D'Iberville
Is D'Iberville at risk for natural disasters?
On FEMA’s National Risk Index, D'Iberville has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #85 of 101 in Mississippi. Most of the expected damage is hurricanes (64%) and river and rain flooding (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does D'Iberville flood?
Flood insurance has paid 96 claims in D'Iberville since 2005, $5.7M in all, or 17.8 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record. 18 properties have flooded more than once. The most claims came from Hurricane Katrina (27).
Is D'Iberville 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, 62% of homes in mapped flood zones carry federal flood insurance, and 14.4% of all homes do.
How much is flood insurance in D'Iberville?
D'Iberville is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in D'Iberville?
By FEMA money that reached D'Iberville, Hurricane Katrina (2005): 4,018 households applied for aid, $24.3M approved, and $23.1M to the City of D'Iberville for repairs. By flood claims, Hurricane Katrina: 27 paid, $3.2M.
Is D'Iberville at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (64%), and D'Iberville’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in D'Iberville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where D'Iberville’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.