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Little Big Store - Raymond Mississippi 5-29-2010Photo: Natalie Maynor · CC BY 2.0
B−Hazard risk
Natural hazards in Raymond · FEMA

Raymond’s building-damage rate from hail is in the top 3% of U.S. census tracts

On FEMA’s National Risk Index, Raymond gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (38%), then hail (24%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 38%Hail 24%Tornadoes 19%

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 52%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 52% of U.S. towns
Main hazard
River and rain flooding
38% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 21 declared for Hinds County

What stands out about Raymond’s natural hazards

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

Hail: the top 3% of U.S. tractsFEMA’s building-damage rate for hail here ranks in the top 3% of U.S. census tracts; it is 24.0% of the damage it expects.Made safer with FEMA grants27 storm safe rooms built with FEMA grants.
By hazard

What Raymond 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

38%of expected building damage
Well below average · lower than 86% of U.S. census tracts
Recorded about 4 times a year in the area

Hail

24%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 4 times a year in the area

Tornadoes

19%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about once every 9 years in the area

Hurricanes

6%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once every 11 years in the area
Smaller shares here
 Earthquakes Ice storms Cold waves top 2% Lightning Wildfire Winter storms Landslides Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Raymond’s grade

River and rain flooding is 38% of the building damage FEMA expects in Raymond, and Raymond’s rate of river and rain flooding damage is lower than 86% of U.S. census tracts. Hail adds 24%, at a rate in the top 3% of U.S. census tracts.

Where Raymond sits
Raymond
Least damageMiddleMost damage

B− lower expected damage per building than 52% of U.S. towns (21,298).

All of Raymond’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding38%Hail24%Tornadoes19%Everything else19%

In dollars, FEMA expects about $787K a year in losses across Raymond: $539K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Severe Storms, Straight-line Winds, Tornadoes, and Flooding in 2024, FEMA took 155 aid registrations from Raymond addresses (the town has 385 homes).
Shared tract.All of Raymond’s 1,960 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Raymond flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Raymond. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Hinds County.
What’s been done with FEMA grants
27storm safe rooms built
Disasters

6 federal disasters brought FEMA money to Raymond

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

  1. 2026Severe Winter Storm1 households applied for aid$6K to the City of Raymond for repairs
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding155 households applied for aid$228K aid approved
  3. 2012Hurricane Isaac8 households applied for aid$2K aid approved
  4. 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding6 households applied for aid$2K aid approved
  5. 2005Hurricane Katrina940 households applied for aid$669K aid approved$69K to the City of Raymond for repairs
  6. 2003Severe Storms, Tornadoes, Floods12 households applied for aid$33K aid approved$10K to the City of Raymond for repairs
Disasters declared, by decade
Paid out in RaymondHinds County only

Hinds County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.

Were you here?

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

Add to the Raymond archive →
Be ready

Get ready for what Raymond 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 ↗
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 ↗
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 ↗
Hurricane season
  • 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.
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 Raymond

Is Raymond at risk for natural disasters?

On FEMA’s National Risk Index, Raymond has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (38%) and hail (24%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Raymond 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 Hinds County, 25% of homes in mapped flood zones carry federal flood insurance, and 2.8% of all homes do.

How much is flood insurance in Raymond?

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

By FEMA money that reached Raymond, Hurricane Katrina (2005): 940 households applied for aid, $669K approved, and $69K to the City of Raymond for repairs.

Is Raymond at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (38%), and Raymond’s rate for it is lower than 86% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Raymond.

Town Square →
Start the conversation

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