Storm risk in De Soto County, Mississippi

FEMA's overall hazard score for De Soto County is 88.99 (Relatively Moderate), 347th of 3,144 counties. Hail scores 61.26 (Relatively Low), strong wind 76.49 (Relatively Moderate) and tornado 96.79 (Relatively High). Expected hail loss is $0.27 per $1 million of buildings a year; NOAA logged 42 hail reports in De Soto County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

De Soto County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of MS$0.1$1$10$100$1,000Hail: $0.27 per $1 million, 2,989th of 3,126 rated counties$0.27Hail2,989th of 3,126 countiesStrong wind: $14 per $1 million, 1,928th of 3,121 rated counties$14Strong wind1,928th of 3,121 countiesTornado: $567 per $1 million, 297th of 3,144 rated counties$567Tornado297th of 3,144 counties
  • De Soto County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates De Soto County

HazardRatingScore (0 to 100)Rank in U.S.Rank in MS
OverallRelatively Moderate 88.99347 of 3,1444 of 82
HailRelatively Low 61.261,219 of 3,12640 of 82
Strong windRelatively Moderate 76.49740 of 3,12619 of 82
TornadoRelatively High 96.79102 of 3,1262 of 82

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$9,371$0.27 $46$22 2,989 of 3,12682 of 82
Strong wind$476,296$14 $33$20 1,928 of 3,12172 of 82
Tornado$19,464,978$567 $478$199 297 of 3,14426 of 82

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in De Soto County

  • FEMA expects hail in De Soto County to cost $0.27 per $1 million of buildings a year: 0.01 times the U.S. median and 0.006 times the MS county median, ranked 2,989th of 3,126 counties nationally and 82nd of 82 in Mississippi.
  • FEMA expects strong wind in De Soto County to cost $14 per $1 million of buildings a year: 0.68 times the U.S. median and 0.42 times the MS county median, ranked 1,928th of 3,121 counties nationally and 72nd of 82 in Mississippi.
  • FEMA expects tornado in De Soto County to cost $567 per $1 million of buildings a year: 2.85 times the U.S. median and 1.19 times the MS county median, ranked 297th of 3,144 counties nationally and 26th of 82 in Mississippi.
  • Applying FEMA's estimate to a $248,700 home, the average yearly loss in De Soto County is about $0.07 for hail and $3.45 for wind before any deductible; at the U.S. median county rates it would be $5.56 and $5.07.
  • If the next years look like 2014 to 2025, a roof kept 20 years in De Soto County meets about 35.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1998, the median home in De Soto County is 28 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and is inside the rated life of an architectural one (25 to 30 years); 55.8% of its 74,066 homes are at least 26 years old.
  • March to June holds 33 of the 42 hail reports in De Soto County (79 percent); the quietest month is February, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies De Soto County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$0.07hail, a year; $5.56 at the U.S. median county rate
$3.45strong wind, a year; $5.07 at the U.S. median county rate
$70hail and wind together over 20 years, at today’s rate

Formula: home value × De Soto County yearly loss ÷ building value. Hail: $9,371 ÷ $34,304,331,808 = 0.0000003. Wind: $476,296 ÷ $34,304,331,808 = 0.0000139. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

De Soto County in plain numbers

  • De Soto County scores 88.99 in FEMA's overall hazard index (Relatively Moderate): 347th of 3,144 rated counties and 4th of 82 in Mississippi.
  • Hail scores 61.26 (Relatively Low). FEMA expects $9,371 of hail damage to buildings in De Soto County a year, which is $0.27 per $1 million of buildings, 0.01 times the U.S. median.
  • Strong wind scores 76.49 (Relatively Moderate) with $476,296 of expected yearly building loss in De Soto County: $14 per $1 million of buildings, 0.68 times the U.S. median.
  • Tornado scores 96.79 (Relatively High) and FEMA's expected yearly tornado loss is $19,464,978, counting everything exposed, or $567 per $1 million of buildings in De Soto County.
  • FEMA's own event record for De Soto County averages 2.92 hail events and 1.26 strong-wind events a year.
  • NOAA logged 42 hail reports in De Soto County between 2014 and June 2026, on 23 days with stones of 1 inch or more; the largest was 2 inches.
  • In De Soto County, FEMA counts buildings worth 34.30 billion dollars and 185,280 residents.
  • Social vulnerability is Relatively Low in De Soto County.
  • Community resilience there is Relatively Moderate, for 185,280 residents.
  • 1 city in De Soto County is covered on this site: Southaven. 8 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Southaven is $5,530 to $12,245.
  • De Soto County ranks 189 of the 194 counties with a page here for hail loss per $1 million of buildings, 85 for wind and 18 for tornado.
  • In De Soto County, April is the busiest month with 13 of the 42 reports (31 percent), against 2 reports in October.
  • De Soto County's worst year was 2023, with 4 hail days at 1 inch or more and 10 reports. At the 2014 to 2025 pace that is 1.75 such days a year, one about every 6.9 months.
  • The median home in De Soto County was built in 1998; 19.9% of its 74,066 housing units date from before 1980, 55.8% from before 2000 and 17.9% from 2010 on.
  • Census puts the median home value in De Soto County at $248,700, and 77.8% of homes are lived in by their owners.
  • 15,120 single-family building permits were issued in De Soto County from 2014 to 2025, about 204.1 per 1,000 homes, peaking in 2021.
  • NOAA lists 5 tornado tracks in De Soto County since 2014; the strongest was an EF2 on March 31, 2023 near Cub Lake, 13.57 miles long.
  • The fastest gust in NOAA's records for De Soto County is 100 mph on January 11, 2020 at Cedarview.
  • The nearest county with a page here is Lee County, 85 miles from the centre of De Soto County; its hail score is 65.46.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 3 roofing contractor establishments in De Soto County in 2023, one for every 24,689 homes.

The hail record of De Soto County, year by year

NOAA logged 42 reports in De Soto County; hail of 1 inch or more fell on 23 days. That is 1.8 such days a year; the median county in NOAA’s file has 1.8.

De Soto County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 3 reports, 3 days at 1 inch or more, largest 1 inch142015: 0 reports, 0 days at 1 inch or more, largest 0 inch152016: 2 reports, 2 days at 1 inch or more, largest 1 inch162017: 3 reports, 2 days at 1 inch or more, largest 1 inch172018: 2 reports, 1 days at 1 inch or more, largest 1 inch182019: 1 reports, 1 days at 1 inch or more, largest 1 inch192020: 1 reports, 0 days at 1 inch or more, largest 0.88 inch202021: 3 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 3 reports, 3 days at 1 inch or more, largest 1 inch222023: 10 reports, 4 days at 1 inch or more, largest 2 inch232024: 5 reports, 1 days at 1 inch or more, largest 1 inch242025: 5 reports, 3 days at 1 inch or more, largest 1.75 inch252026: 4 reports, 2 days at 1 inch or more, largest 1.5 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
De Soto County: NOAA hail reports by calendar month, 2014 to June 2026January: 3 reports3JanFebruary: 0 reports0FebMarch: 4 reports4MarApril: 13 reports13AprMay: 3 reports3MayJune: 13 reports13JunJuly: 1 reports1JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 2 reports2OctNovember: 1 reports1NovDecember: 2 reports2Dec

Reports by calendar month, all years together. Peak: April, 13 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20143301 in–
20162201 in–
20173201 in–
20182101 in–
20191101 in–
20201000.88 in–
20213111.75 in–
20223301 in–
202310422 in–
20245101 in–
20255311.75 in–
2026 (to June)4201.5 in–

Biggest hail days in De Soto County

DateLargest stoneReports that dayDamage reportedNear
June 11, 20232 in5none recordedHorn Lake
January 25, 20211.75 in3none recordedWalls
April 2, 20251.75 in3none recordedNesbit
December 9, 20231.75 in2none recordedLove
June 1, 20261.5 in2none recordedOlive Branch

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside De Soto County the big stones fell.

Reported hail locations, De Soto County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail Southaven
  • 291 to 1.74 in
  • 61.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

35 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for De Soto County

Fastest gusts in De Soto County

DateGustNear
January 11, 2020100 mphCedarview
March 30, 2022100 mphHorn Lake Desoto Arp
March 31, 202385 mphEudora
May 18, 202585 mphHernando

Strongest tornado tracks in De Soto County

DateScaleLengthInjured / killedNear
March 31, 2023EF213.57 mi0 / 0Cub Lake
January 11, 2020EF28.21 mi0 / 0Bright
May 18, 2025EF10.42 mi0 / 0Hernando
January 11, 2020EF17.74 mi0 / 0Arkabutla Res

5 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at De Soto County’s 2014 to 2025 pace of 1.75 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

De Soto County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 1.3% of homes1.3%<19401591940s: 0.9% of homes0.9%1940s1421950s: 1.6% of homes1.6%1950s1241960s: 6.3% of homes6.3%1960s1071970s: 9.8% of homes9.8%1970s891980s: 12.6% of homes12.6%1980s721990s: 23.3% of homes23.3%1990s542000s: 26.3% of homes26.3%2000s372010s: 15.8% of homes15.8%2010s192020+: 2.1% of homes2.1%2020+5

Bars: share of 74,066 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1998
Built before 198019.9%
Built before 200055.8%
Built since 201017.9%
Owner-occupied77.8%
Median home value$248,700
Single-family permits, 2014 to 202515,120
Permits per 1,000 homes204.1

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in De Soto County

Roofing firms in De Soto County

Roofing contractor establishments, 20233
Change since 2016+1 (+50%)
Homes per roofing firm24,689
Median across counties5,189
Employees, 202312

Source for De Soto County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by De Soto County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Lee County, MS85 Relatively Moderate $6.6124.18$8.030.5853
Hinds County, MS177 Relatively Moderate $2961085.17$674.8659
Lauderdale County, MS187 Relatively Moderate $1449.92$292.0625
Forrest County, MS258 Relatively Low $45164.67$161.1423
Harrison County, MS306 Relatively High $2383.22$1.330.1030

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in De Soto County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 8 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Southaven 38671 (100%), 38654 (97%), 38601 (0%), 38659 (0%), 38652 (0%) Roofers

Storm hit your roof in De Soto County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in De Soto County?

FEMA's National Risk Index gives De Soto County an overall score of 88.99 (Relatively Moderate), 347th of 3,144. Hail scores 61.26 (Relatively Low), strong wind 76.49 (Relatively Moderate) and tornado 96.79 (Relatively High).

In De Soto County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 42 for De Soto County between 2014 and June 2026, on 23 days with hail of 1 inch or more; the largest stone was 2 inches.

What do hail and wind cost a home in De Soto County each year, on average?

Applying FEMA's county rates to its median home value of $248,700: FEMA's estimate is about $0.07 a year for hail and $3.45 for wind, before any deductible, against $5.56 and $5.07 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does De Soto County compare with the rest of Mississippi?

Per $1 million of buildings De Soto County loses $0.27 to hail a year, against $46 in the median county of the state. Among 82 rated counties it is 40th for hail, 19th for strong wind and 2nd for tornado.

How old are the roofs in De Soto County?

The median home was built in 1998, 28 years ago, and 55.8% of the 74,066 housing units in De Soto County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original 3-tab roof is past its rated life and an architectural one is inside it. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for De Soto County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for De Soto County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in De Soto County; Census County Business Patterns, roofing firms in De Soto County. Planning-level information about De Soto County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).