Guest, Sign inJoin

Post to Eupora

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
CotesworthCotesworth · Photo: James Butters · Public domain
BHazard risk
Natural hazards in Eupora · FEMA

FEMA expects less hazard damage per building in Eupora than in 60% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Eupora gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (48%), then earthquakes (18%). Flood insurance has paid 22 claims here since 1978.

River and rain flooding 48%Earthquakes 18%Tornadoes 17%

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

less than 60%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 · lower than 60% of U.S. towns
Main hazard
River and rain flooding
48% of expected building damage
Flood claims
22
paid since 1978 · $105K
Flooded more than once
5
properties · 1 “severe repetitive loss”
Disasters paid out here
6
of 18 declared for Webster County

What stands out about Eupora’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 60% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Made safer with FEMA grants58 storm safe rooms built with FEMA grants.Remembers 19839 flood claims were paid for 1983 alone, the most of any year.
By hazard

What Eupora 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

48%of expected building damage
Below average · lower than 76% of U.S. census tracts
Recorded about once every 1 years in the area

Earthquakes

18%of expected building damage
Above average · higher than 80% of U.S. census tracts

Tornadoes

17%of expected building damage
Well above average · in the top 8% of U.S. census tracts

Hail

6%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind Hurricanes Ice storms Cold waves top 1% Lightning top 1% Wildfire 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 10% of Eupora’s expected losses. Cold waves do little damage to buildings (0.9%), 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 Eupora’s grade

River and rain flooding is 48% of the building damage FEMA expects in Eupora, and Eupora’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 8% of U.S. census tracts.

Where Eupora sits
Eupora
Least damageMiddleMost damage

B lower expected damage per building than 60% of U.S. towns (21,298).

Eupora’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding48%Earthquakes18%Tornadoes17%Everything else16%

In dollars, FEMA expects about $958K a year in losses across Eupora: $605K to buildings, the rest to people and crops.

A small-area figure. Eupora covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Eupora flood? Sometimes: 22 flood claims since 1978

Every paid claim on a federal flood insurance policy in Eupora, from FEMA’s records: 21.0 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 1 claim1979: 1 claim1980: 0 claims1981: 0 claims1982: 5 claims1983: 9 claims1984: 4 claims1985: 0 claims1986: 1 claim1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 1 claim1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 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 claims198219831984
19782026
22
paid claims since 1978
$105K
paid to owners
5
homes flooded more than once
$5K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Webster County.
What’s been done with FEMA grants
58storm safe rooms built
Disasters

6 federal disasters brought FEMA money to Eupora

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

  1. 2026Severe Winter Storm5 households applied for aid$8K to the City of Eupora for repairs
  2. 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding195 households applied for aid$293K aid approved$12K to the City of Eupora for repairs
  3. 2010Severe Storms, Tornadoes, and Flooding2 households applied for aid$145 aid approved
  4. 2005Hurricane Katrina5 households applied for aid$18K to the City of Eupora for repairs
  5. 2003Severe Storms, Tornadoes and High Winds1 households applied for aid$855 aid approved
  6. 1998Severe Winter Storms, Ice and Freezing Rain$3K to the City of Eupora for repairs
Disasters declared, by decade
Paid out in EuporaWebster County only

Webster County has had 18 natural disasters declared by the President since 1953, most often severe storms, then winter storms.

Were you here?

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

Add to the Eupora archive →
Be ready

Get ready for what Eupora 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 ↗
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 ↗
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 ↗
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 Eupora

Is Eupora at risk for natural disasters?

On FEMA’s National Risk Index, Eupora has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (48%) and earthquakes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Eupora flood?

Flood insurance has paid 22 claims in Eupora since 1978, $105K in all, or 21.0 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. 5 properties have flooded more than once.

Is Eupora 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 Webster County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Eupora?

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

By FEMA money that reached Eupora, Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding (2011): 195 households applied for aid, $293K approved, and $12K to the City of Eupora for repairs.

Is Eupora at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (48%), and Eupora’s rate for it is lower than 76% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eupora.

Town Square →
Start the conversation

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