🌍 ClimateRiskCheck

Natural Disaster Risk in Louisville

Mississippi

6.2out of 10
High Risk

Risk Summary for Louisville

Louisville scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Tornado Strong Wind

All 18 Hazard Scores

Tornado
8.2
Hurricane
8.2
Strong Wind
8.1
Earthquake
7.2
Hail
7.1
Extreme Heat
6.8
Ice Storm
6.7
Cold Wave
6.6
Drought
6.3
Lightning
5.8
Landslide
5.4
Tsunami
5.4
Winter Weather
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.4
Riverine Flooding
1.0

How it compares

Louisville
6.2
Mississippi avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Louisville, Mississippi

Located in the interior eastern United States in Winston County, Louisville is a city of approximately 14,460 residents. The humid subtropical climate that characterizes this part of Mississippi β€” marked by very hot, humid summers and mild winters β€” directly influences the types and severity of natural hazards present, making Louisville a community where hazard awareness has real practical value.

FEMA rates Louisville's composite natural disaster risk at 6.2 out of 10 β€” high risk. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. Residents should also account for tornado and wind risk in their preparedness planning.

Relative to other U.S. communities, Louisville's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.1/10 state average. The hazard distribution here is led by hurricane and tornado, as measured by FEMA across Winston County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Louisville residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Louisville: Hurricane preparedness

  • Know your evacuation zone and route before hurricane season begins each June.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.

Local Factors for Louisville

These city-level factors differentiate Louisville from other communities in Winston County and provide geographic context for its hazard exposure.

Population

14,460

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 33.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.4/10

Coordinates

33.1042Β° N, 89.0026Β° W

Winston County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Louisville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Louisville

Other cities in Mississippi

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.