Storms, floods and disasters in Henderson Point
Henderson Point isn’t graded for hazard risk: Henderson Point has 237 residents; we grade towns of 1,000 or more. Flood insurance has paid 225 claims here since 1998.
What Henderson Point faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Coastal flooding
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.
Does Henderson Point flood? Yes: 225 flood claims since 1998
Every paid claim on a federal flood insurance policy in Henderson Point, from FEMA’s records.
- Hurricane Zeta131 claims · $954K
- Hurricane Katrina45 claims · $8.0M
- Hurricane Isaac14 claims · $22K
Henderson Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harrison County.The storms Henderson Point remembers
None of the 27 disasters declared for Harrison County shows FEMA aid or repair money reaching Henderson Point itself in FEMA’s records, so these are its biggest flood-claim years.
- 2020141 flood claims paidThe year of Hurricane Zeta, declared for Harrison County
- 200545 flood claims paidThe year of Hurricane Katrina, declared for Harrison County
- 201214 flood claims paidThe year of Hurricane Isaac, declared for Harrison County
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 Henderson Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Henderson Point archive →Henderson Point and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pass Christian | D−more damage than 96% | hurricanes | 2,723 |
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 Henderson Point faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Henderson Point
Does Henderson Point flood?
Flood insurance has paid 225 claims in Henderson Point since 1998, $9.1M in all. The most claims came from Hurricane Zeta (131).
Is Henderson Point 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 Henderson Point?
FEMA’s Community Rating System list shows no discount for Henderson Point’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 Henderson Point?
By flood claims, Hurricane Zeta: 131 paid, $954K.
Storm stories
Memories, warnings and help from neighbors in Henderson Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Henderson Point’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.