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Risk: Relatively High

Harrison County, MS Environment & Hazard Risk

Relatively High natural hazard risk, led by hurricane. 490 storm events since 1996.

Expected yearly loss
$155M
Relatively Moderate nationally
Storm events since 1996
490
Most often thunderstorm wind
Flood insurance policies
10,601
14.4% of homes
Hurricanes nearby
9
19 tropical storms or stronger since 1855

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively High

Score 95.6 of 100

Social vulnerability

Relatively High

Score 68.9 of 100

Community resilience

Relatively High

Score 66.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $41.9B · Agriculture value exposed: $4.4M · Risk-adjusted yearly loss: $199M

Risk by hazard

  • HurricaneVery High$86.6M/yr expected annual loss, about once every 4 years
  • LightningVery High$2.1M/yr expected annual loss, about 87 events a year
  • TornadoRelatively High$11.2M/yr expected annual loss, about once every 1 year
  • Heat waveRelatively Moderate$4.8M/yr expected annual loss, about 14 events a year
  • WildfireRelatively Moderate$2.5M/yr expected annual loss, about once every 157 years
  • Coastal floodingRelatively High$5.8M/yr expected annual loss, about 6.5 events a year
  • Cold waveRelatively Moderate$4.8M/yr expected annual loss, about once every 1 year
  • HailRelatively Moderate$1.2M/yr expected annual loss, about 1.9 events a year
  • Strong windRelatively High$1.3M/yr expected annual loss, about 1.6 events a year
  • Ice stormRelatively Moderate$233K/yr expected annual loss, about once every 2 years
  • Winter weatherRelatively Moderate$130K/yr expected annual loss, about once every 1 year
  • EarthquakeRelatively Low$662K/yr expected annual loss, about once every 1,032 years
  • DroughtRelatively Low$212K/yr expected annual loss, about 19 events a year
  • LandslideVery Low$317/yr expected annual loss, about once every 12 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
10,601 of 73,384 (14.4%)
Homes in high-risk flood zones
10,451
Insured in high-risk zones
6,531 (62%)
Flood claims since 1978
15,939
Claims paid since 1978
$1.3B

Flood claims paid per year

Flood claims paid per year in Harrison County
Beta
  • Hurricane Katrina$1.2B · 8,007 claims
  • Hurricane Georges$15.8M · 1,203 claims
  • Hurricane Isaac$7.7M · 480 claims
  • 2026-06-Arthur-TS$7.5M · 139 claims
  • Tropical Storm Isidore$6.5M · 573 claims
  • Hurricane Zeta$6.4M · 422 claims

Storm history

Since 1996: 490 events, 3 deaths, $9M in damage

  • Thunderstorm Wind155
  • Flash Flood81 · 1 death
  • Hail75
  • Tornado49
  • Excessive Heat44
  • Lightning19 · 2 deaths
  • Drought15
  • Flood14
  • Funnel Cloud12
  • Heavy Rain9
Beta

Events per year

Storm events per year in Harrison County
13
13
10
6
16
16
10
5
16
19
15
14
8
8
33
21
68
18
24
33
Beta

91 tornadoes on record (EF0 25, EF1 13, F0 15, F1 17, F2 12, F3 5).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood03/28/2009

    Long Beach, Harrison County

    1 death, $750K damage

    What happened

    Major flooding due to heavy rain affected portions of Harrison County. The cities which experienced the worst flooding were Gulfport, Biloxi, D'Iberville, and Long Beach. At least 100 roads were impacted by flooding with numerous cars under water near the entrance to Interstate 10 off of the Interstate 110 loop. Around 200 homes flooded with most having 12 inches or less of water in them. A 36 year old man drowned in D'Iberville when he drove into a flooded drainage ditch.

  • Lightning08/25/1999

    D Iberville, Harrison County

    1 death

    What happened

    A 37 year old man was fatally injured by a lightning strike. The man was standing behind a waste collection truck when lightning struck a nearby tree and the charge moved through the tree to the man standing near the truck.

  • Lightning06/08/2001

    Gulfport, Harrison County

    1 death

    What happened

    A lightning strike killed a 25 year old women in Gulfport shortly after lightning injured a 53 year old man in the nearby community of Pass Christian. Lightning also started a fire at a business in Oceans Springs which resulted in $60,000 damage.

  • TornadoF2, 1.5 mi path, 50 yd wide11/24/2004

    Orange Grove, Harrison County

    $3M damage

    What happened

    A tornado traveled east to west on path along Dedeaux Road between Highway 49 and Three Rivers Road in the Orange Grove community. Most of the damage was rated a F1 intensity by a NWS ground survey, however there were areas of F2 damage. A large church under-construction was heavily damaged or destroyed. Three homes and five businesses received major damage while twenty homes had minor damage. Early estimates were that damage would approach 3 million dollars.

  • Lightning06/08/2001

    Pass Christian, Harrison County

    1 injured

    What happened

    A lightning strike killed a 25 year old women in Gulfport shortly after lightning injured a 53 year old man in the nearby community of Pass Christian. Lightning also started a fire at a business in Oceans Springs which resulted in $60,000 damage.

  • Flash Flood06/11/2001

    Countywide, Harrison County

    $750K damage

    What happened

    The remnants of Tropical Storm Allison moved over southeast Louisiana and south Mississippi during the night of June 10/11th and intensified. Some thunderstorms reached severe levels and produced damaging winds and short lived, weak tornadoes. Heavy rainfall also accompanied the storms with 5 to 10 inches of rainfall reported overnight. Flash flooding developed in several areas of poor drainage in Harrison and Jackson Counties with roadways, and some structures flooded. An area in Gulfport near Brickyard Bayou was reported to have been hard hit with a large number of houses flooded. Flash flooding was also reported near Bluff Creak near Vancleave. Heavy rainfall caused flooding of streets and roadways in Hancock and Pearl River Counties.

Drinking water

35 community water systems serve about 185,686 people. Violations since 2021.

8 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

1 Superfund site and 11 toxic release facilities in Harrison County

Superfund sites

Toxic release facilities

Total: 11.0 million lbs in 2024, 564,843 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk30 historic places

Frequently asked questions

How risky is Harrison County for natural disasters?
FEMA rates Harrison County relatively high for overall natural hazard risk, with expected losses of $155M a year. The highest-rated hazards are hurricane (very high), lightning (very high), tornado (relatively high).
What storms are most common in Harrison County?
Since 1996, NOAA recorded 490 storm events affecting Harrison County, most often thunderstorm wind (155), flash flood (81), hail (75).
How many tornadoes have hit Harrison County?
91 tornadoes have been recorded in Harrison County since 1950, including 5 rated F3/EF3 or stronger.
How many homes in Harrison County have flood insurance?
10,601 residential flood insurance policies are in force in Harrison County, covering about 14.4% of homes. The program has paid $1.3B on 15,939 claims here since 1978.
What is the weather like in Harrison County?
At Gulfport - Biloxi AP, average highs reach 91°F in Aug and lows fall to 42°F in Jan, with 62.8 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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