Natural hazards · Andalusia

Andalusia, AL natural hazards

Most of the natural-hazard damage FEMA expects in Andalusia comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2015. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Andalusia?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andalusia to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes56%Inland flooding23%Tornadoes10%Everything else11%

By hazard

What Andalusia faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

56% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 6 years in the area

Inland flooding

23% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Well above average · higher than 86% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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 Andalusia flood?

Every paid claim on a federal flood insurance policy in Andalusia, from FEMA’s records.

1paid claims since 2015

$33Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Early winter storms: 1 claim, $33K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Andalusia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Covington County.

What’s been done with FEMA grants

40storm safe rooms built

1buildings retrofitted against wind

Disasters that hit Andalusia

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Andalusia itself: aid to households, or repair grants to the City of Andalusia.

Brought FEMA money into AndalusiaDeclared for Covington County only

2020

Hurricane Sally

1 household applied for aid

2009

Severe Storms and Flooding

$11K to the City of Andalusia for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

58 households applied for aid $22K aid approved

2005

Hurricane Dennis

2 households applied for aid $3K aid approved $96K to the City of Andalusia for repairs

2004

Hurricane Ivan

966 households applied for aid $1.2M aid approved $442K to the City of Andalusia for repairs

Covington County has had 30 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Andalusia covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Andalusia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Andalusia. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Andalusia total about $1.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.