Natural Disaster Risk in Tougaloo
Mississippi
Risk Summary for Tougaloo
Tougaloo scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Tougaloo, Mississippi
Tougaloo, in Madison County, is a small unincorporated community situated in the interior eastern United States. Its humid subtropical climate brings very hot, humid summers and mild winters, and in particular overlapping tornado and hurricane seasons. These conditions collectively define the natural hazard environment that Tougaloo residents and property owners must navigate.
According to FEMA's National Risk Index, Tougaloo carries an overall risk score of 7.3/10, placing it in the high category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to cold wave and hail.
Within Mississippi, Tougaloo's risk is, slightly above the 6.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Madison County identifies tornado as the foremost hazard, followed by cold wave and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Tougaloo residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado 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 Tougaloo: Tornado preparedness
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor β away from windows β as your shelter.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
Local Factors for Tougaloo
These city-level factors differentiate Tougaloo from other communities in Madison County and provide geographic context for its hazard exposure.
Population
485
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 32.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.0/10
Coordinates
32.4009Β° N, 90.1602Β° W
Madison 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 Tougaloo
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Tougaloo
Other cities in Mississippi
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.