On FEMA’s figures, Lyman faces more hazard damage per building than 93% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Lyman gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns. Most of that expected damage is hurricanes (62%), then river and rain flooding (30%). Flood insurance has paid 2 claims here since 2012.
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 Lyman faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
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.
What’s behind Lyman’s grade
Hurricanes are 62% of the building damage FEMA expects in Lyman, and Lyman’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 5% of U.S. census tracts.
D higher expected damage per building than 93% of U.S. towns (21,298).
Lyman’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.6M a year in losses across Lyman: $1.3M to buildings, the rest to people and crops.
Does Lyman flood? Rarely: 2 flood claims since 2012
Every paid claim on a federal flood insurance policy in Lyman, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-06-Arthur-TS1 claim · $34K
Lyman 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 Lyman remembers
None of the 27 disasters declared for Harrison County shows FEMA aid or repair money reaching Lyman itself in FEMA’s records, so these are its biggest flood-claim years.
- 20121 flood claims paidThe year of Hurricane Isaac, declared for Harrison County
- 20261 flood claims paidThe year of Tropical Storm Arthur, 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 Lyman after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lyman archive →Lyman and its neighbors
Lyman is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Gulfport | Dmore damage than 93% | hurricanes | 3,272 |
| Lyman | Dmore damage than 93% | hurricanes | 2 |
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 Lyman faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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 Lyman
Is Lyman at risk for natural disasters?
On FEMA’s National Risk Index, Lyman has higher expected damage per building than 93% of U.S. towns: D for hazard risk. Most of the expected damage is hurricanes (62%) and river and rain flooding (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lyman flood?
Flood insurance has paid 2 claims in Lyman since 2012, $50K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. The most claims came from 2026-06-Arthur-TS (1).
Is Lyman 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 Lyman?
FEMA’s Community Rating System list shows no discount for Lyman’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 Lyman?
By flood claims, 2026-06-Arthur-TS: 1 paid, $34K.
Is Lyman at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (62%), and Lyman’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lyman.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lyman’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.