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–Not graded
Natural hazards in Lott · FEMA

Storms, floods and disasters in Lott

Lott isn’t graded for hazard risk: Lott has 583 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 11 declared for Falls County
By hazard

What Lott 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

62%of expected building damage
Well below average · lower than 82% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

19%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Recorded about once every 14 years in the area

Hail

8%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Hurricanes Strong wind Wildfire Earthquakes Winter storms Cold waves Ice storms Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 11% of Lott’s expected losses. Cold waves do little damage to buildings (0.2%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Lott flood? No paid flood claims on record

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

of all homes are insured
No community discount

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

Insurance rates: Falls County.
Disasters

2 federal disasters brought FEMA money to Lott

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding59 households applied for aid$150K aid approved$103K to the City of Lott for repairs
  2. 2021Severe Winter Storms54 households applied for aid$68K aid approved$6K to the City of Lott for repairs
Disasters declared, by decade
Paid out in LottFalls County only

Falls County has had 11 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Lott archive →
Be ready

Get ready for what Lott 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 ↗
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 Lott

Is Lott 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 Falls County, 0.0% of all homes carry federal flood insurance.

How much is flood insurance in Lott?

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

By FEMA money that reached Lott, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 59 households applied for aid, $150K approved, and $103K to the City of Lott for repairs.

Storm stories

Memories, warnings and help from neighbors in Lott.

Town Square →
Start the conversation

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