Antioch Dependent School District #15 · Photo: Crimsonedge34 · CC BY-SA 3.0Storms, floods and disasters in Elmore City
Elmore City isn’t graded for hazard risk: Elmore City has 882 residents; we grade towns of 1,000 or more.
What Elmore City 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
Wildfire
Tornadoes
Hail
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 Elmore City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Elmore City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Elmore City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Garvin County.8 federal disasters brought FEMA money to Elmore City
Disasters that paid out in Elmore City itself (aid to households or repair grants to the Town of Elmore City), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding5 households applied for aid$8K aid approved
- 2010Severe Storms, Tornadoes, and Straight-line Winds1 households applied for aid$526 aid approved
- 2010Severe Winter Storm$17K to the Town of Elmore City for repairs
- 2007Severe Storms, Flooding, and Tornadoes1 households applied for aid$2K aid approved
- 2007Severe Storms, Flooding, and Tornadoes$21K to the Town of Elmore City for repairs
- 2005Extreme Wildfire Threat8 households applied for aid$13K aid approved
Show all 8
- 2003Severe Storms and Tornadoes5 households applied for aid$7K aid approved$2K to the Town of Elmore City for repairs
- 2000Severe Winter Ice Storm$23K to the Town of Elmore City for repairs
Garvin County has had 24 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Garvin County, 2005–2006.
Old photos of Elmore City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elmore City archive →Get ready for what Elmore City 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- 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 Elmore City
Is Elmore City 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 Garvin County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Elmore City?
FEMA’s Community Rating System list shows no discount for Elmore City’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 Elmore City?
By FEMA money that reached Elmore City, Severe Winter Ice Storm (2000): $23K to the Town of Elmore City for repairs.
Storm stories
Memories, warnings and help from neighbors in Elmore City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elmore City’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.