Photo: Magnolia677 · CC BY 4.0Storms, floods and disasters in Louise
Louise isn’t graded for hazard risk: Louise has 178 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 1991.
What Louise 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
Tornadoes
Hail
Earthquakes
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 Louise flood? Rarely: 2 flood claims since 1991
Every paid claim on a federal flood insurance policy in Louise, from FEMA’s records.
Louise isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Humphreys County.6 federal disasters brought FEMA money to Louise
Disasters that paid out in Louise itself (aid to households or repair grants to the Town of Louise), newest first, with that year’s flood claims.
- 2026Severe Winter Storm208 households applied for aid$699K aid approved
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding142 households applied for aid$546K aid approved
- 2023Severe Storms, Straight-line Winds, and Tornadoes63 households applied for aid$115K aid approved
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding7 households applied for aid$63K aid approved
- 2005Hurricane Katrina78 households applied for aid$53K aid approved
- 1998Severe Winter Storms, Ice and Freezing Rain$2K to the Town of Louise for repairs
Humphreys County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Old photos of Louise after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Louise archive →Get ready for what Louise 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.
- 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Louise
Does Louise flood?
Flood insurance has paid 2 claims in Louise since 1991, $16K in all.
Is Louise 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 Humphreys County, 15% of homes in mapped flood zones carry federal flood insurance, and 3.1% of all homes do.
How much is flood insurance in Louise?
FEMA’s Community Rating System list shows no discount for Louise’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 Louise?
By FEMA money that reached Louise, Severe Winter Storm (2026): 208 households applied for aid, $699K approved.
Storm stories
Memories, warnings and help from neighbors in Louise.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Louise’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.