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Depot - Durant, MississippiPhoto: Magnolia677 · CC BY 4.0
B−Hazard risk
Natural hazards in Durant · FEMA

For tornadoes, Durant’s building-damage rate is in the top 2% of U.S. census tracts

On FEMA’s National Risk Index, Durant gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (53%), then tornadoes (21%). Flood insurance has paid 4 claims here since 1983.

River and rain flooding 53%Tornadoes 21%Earthquakes 8%

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

more than 52%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Mississippi · higher than 52% of U.S. towns
Main hazard
River and rain flooding
53% of expected building damage
Flood claims
4
paid since 1983 · $21K
Disasters paid out here
5
of 25 declared for Holmes County
By hazard

What Durant 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

53%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about once every 1 years in the area

Tornadoes

21%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once every 7 years in the area

Earthquakes

8%of expected building damage
Above average · higher than 74% of U.S. census tracts

Hail

8%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Hurricanes Strong wind Ice storms Wildfire Cold waves top 1% Lightning Winter storms Heat waves Landslides
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 14% of Durant’s expected losses. Cold waves do little damage to buildings (0.7%), 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.
Hazard risk grade

What’s behind Durant’s grade

River and rain flooding is 53% of the building damage FEMA expects in Durant, and Durant’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 2% of U.S. census tracts.

Where Durant sits
Durant
Least damageMiddleMost damage

B− higher expected damage per building than 52% of U.S. towns (21,298).

All of Durant’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding53%Tornadoes21%Earthquakes8%Everything else18%

In dollars, FEMA expects about $1.1M a year in losses across Durant: $504K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Severe Winter Storm in 2026, FEMA took 704 aid registrations from Durant addresses (the town has 1,012 homes).
Shared tract.All of Durant’s 2,231 residents (2020 census) live in one census tract, which it shares with West town (153 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Durant flood? Rarely: 4 flood claims since 1983

Every paid claim on a federal flood insurance policy in Durant, from FEMA’s records: 4.0 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1983: 2 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 1 claim1992: 0 claims1993: 0 claims1994: 0 claims1995: 1 claim1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198319911995
19832026
4
paid claims since 1983
$21K
paid to owners
0
homes flooded more than once
$5K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Holmes County.
What’s been done with FEMA grants
8storm safe rooms built
Disasters

5 federal disasters brought FEMA money to Durant

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

  1. 2026Severe Winter Storm704 households applied for aid$2.3M aid approved
  2. 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding78 households applied for aid$189K aid approved
  3. 2010Severe Storms, Tornadoes, and Flooding46 households applied for aid$144K aid approved
  4. 2005Hurricane Katrina338 households applied for aid$302K aid approved
  5. 2003Severe Storms, Tornadoes, Floods5 households applied for aid$8K aid approved
Disasters declared, by decade
Paid out in DurantHolmes County only

Holmes County has had 25 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.

Were you here?

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

Add to the Durant archive →
Be ready

Get ready for what Durant faces

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

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 ↗
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 ↗
Hail
  • 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.
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 Durant

Is Durant at risk for natural disasters?

On FEMA’s National Risk Index, Durant has higher expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (53%) and tornadoes (21%). 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.

Does Durant flood?

Flood insurance has paid 4 claims in Durant since 1983, $21K in all, or 4.0 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record.

Is Durant 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 Holmes County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Durant?

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

By FEMA money that reached Durant, Severe Winter Storm (2026): 704 households applied for aid, $2.3M approved.

Is Durant at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (53%), and Durant’s rate for it is lower than 62% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Durant.

Town Square →
Start the conversation

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