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CHazard risk
Natural hazards in Taylorsville · FEMA

On FEMA’s figures, Taylorsville faces more hazard damage per building than 72% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Taylorsville gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (48%), then tornadoes (18%). Flood insurance has paid 1 claim here since 2021.

River and rain flooding 48%Tornadoes 18%Hurricanes 17%

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

more than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Mississippi · higher than 72% of U.S. towns
Main hazard
River and rain flooding
48% of expected building damage
Flood claims
1
paid since 2021 · $6K
Disasters paid out here
6
of 20 declared for Smith County
By hazard

What Taylorsville 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

48%of expected building damage
About average · lower than 51% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

18%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 14 years in the area

Hurricanes

17%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about once every 8 years in the area

Hail

9%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Strong wind Earthquakes Lightning top 0% Ice storms Wildfire Winter storms Cold waves top 4% Heat waves Landslides
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 Taylorsville’s grade

River and rain flooding is 48% of the building damage FEMA expects in Taylorsville, and Taylorsville’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 1% of U.S. census tracts.

Where Taylorsville sits
Taylorsville
Least damageMiddleMost damage

C higher expected damage per building than 72% of U.S. towns (21,298).

Taylorsville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding48%Tornadoes18%Hurricanes17%Everything else18%

In dollars, FEMA expects about $734K a year in losses across Taylorsville: $550K 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 2025, FEMA took 313 aid registrations from Taylorsville addresses (the town has 729 homes).
A small-area figure. Taylorsville covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Taylorsville flood? Rarely: 1 flood claim since 2021

Every paid claim on a federal flood insurance policy in Taylorsville, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2021: 1 claim2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2021
20212026
1
paid claims since 2021
$6K
paid to owners
0
homes flooded more than once
$6K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Smith County.
What’s been done with FEMA grants
15storm safe rooms built
Disasters

6 federal disasters brought FEMA money to Taylorsville

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

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding313 households applied for aid$2.1M aid approved
  2. 2020Severe Storms, Tornadoes, Straight-line Winds, and Flooding37 households applied for aid$97K aid approved
  3. 2014Severe Storms, Tornadoes, and Flooding5 households applied for aid$525 aid approved
  4. 2012Hurricane Isaac1 households applied for aid$31K aid approved
  5. 2005Hurricane Katrina1,962 households applied for aid$1.8M aid approved$88K to the Town of Taylorsville for repairs
  6. 2003Severe Storms, Tornadoes, Floods9 households applied for aid$3K aid approved
Disasters declared, by decade
Paid out in TaylorsvilleSmith County only

Smith County has had 20 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.

Were you here?

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

Add to the Taylorsville archive →
Be ready

Get ready for what Taylorsville 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 ↗
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 ↗
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 ↗
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 Taylorsville

Is Taylorsville at risk for natural disasters?

On FEMA’s National Risk Index, Taylorsville has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (48%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Taylorsville flood?

Flood insurance has paid 1 claim in Taylorsville since 2021, $6K in all, or 1.4 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record.

Is Taylorsville 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 Smith County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Taylorsville?

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

By FEMA money that reached Taylorsville, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2025): 313 households applied for aid, $2.1M approved.

Is Taylorsville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (48%), and Taylorsville’s rate for it is lower than 51% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Taylorsville.

Town Square →
Start the conversation

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