Photo: Fredlyfish4 · CC BY-SA 4.0FEMA puts Grenada’s expected hazard damage per building above that of 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Grenada gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #74 of 101 in Mississippi. Most of that expected damage is river and rain flooding (67%), then earthquakes (13%). Flood insurance has paid 130 claims here since 1979.
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 Grenada’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Grenada 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
Earthquakes
Tornadoes
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 Grenada’s grade
River and rain flooding is 67% of the building damage FEMA expects in Grenada, and Grenada’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Tornadoes add 12%, at a rate in the top 3% of U.S. census tracts.
C− #74 of 101 in Mississippi; higher expected damage per building than 84% of U.S. towns (21,298).
Grenada’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, Grenada has more expected damage per building than 73% of Mississippi towns.
In dollars, FEMA expects about $7.3M a year in losses across Grenada: $5.1M to buildings, the rest to people and crops.
Does Grenada flood? Yes: 130 flood claims since 1979
Every paid claim on a federal flood insurance policy in Grenada, from FEMA’s records: 21.7 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Katrina1 claim · $23K
- Tropical Storm Isidore1 claim · $5K
Grenada isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grenada County.9 federal disasters brought FEMA money to Grenada
Disasters that paid out in Grenada itself (aid to households or repair grants to the City of Grenada), newest first, with that year’s flood claims.
- 2026Severe Winter Storm2,271 households applied for aid$3.2M aid approved$818K to the City of Grenada for repairs
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding744 households applied for aid$1.5M aid approved
- 2021Severe Winter Storms$94K to the City of Grenada for repairs1 flood claim paid that year
- 2020Severe Storms, Tornadoes, Straight-line Winds, and Flooding81 households applied for aid$72K aid approved$4K to the City of Grenada for repairs
- 2020Severe Storms, Flooding, and Mudslides$148K to the City of Grenada for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding$483K to the City of Grenada for repairs2 flood claims paid that year
Show all 9
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding37 households applied for aid$5K aid approved
- 2005Hurricane Katrina$61K to the City of Grenada for repairs1 flood claim paid for it, $23K
- 1998Severe Winter Storms, Ice and Freezing Rain$135K to the City of Grenada for repairs
Grenada County has had 22 natural disasters declared by the President since 1953, most often severe storms, then winter storms.
Old photos of Grenada after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grenada archive →Get ready for what Grenada 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Grenada
Is Grenada at risk for natural disasters?
On FEMA’s National Risk Index, Grenada has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #74 of 101 in Mississippi. Most of the expected damage is river and rain flooding (67%) and earthquakes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Grenada flood?
Flood insurance has paid 130 claims in Grenada since 1979, $1.8M in all, or 21.7 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. 32 properties have flooded more than once. The most claims came from Hurricane Katrina (1).
Is Grenada 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 Grenada County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Grenada?
FEMA’s Community Rating System list shows no discount for Grenada’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 Grenada?
By FEMA money that reached Grenada, Severe Winter Storm (2026): 2,271 households applied for aid, $3.2M approved, and $818K to the City of Grenada for repairs. By flood claims, Hurricane Katrina: 1 paid, $23K.
Is Grenada at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Grenada’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grenada.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grenada’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.