Natural hazards · Ardmore

Ardmore, AL natural hazards

Most of the natural-hazard damage FEMA expects in Ardmore comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1990. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ardmore?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ardmore to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves27%Tornadoes16%Earthquakes15%Everything else8%

By hazard

What Ardmore faces

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

Inland flooding

35% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

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

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 86 years in the area

Earthquakes

15% of expected damage

Well above average · higher than 80% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Ardmore flood?

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

3paid claims since 1990

$32Kpaid to owners

1homes flooded more than once

19902026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Limestone County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Ardmore

3 federal disasters brought FEMA money here

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

Brought FEMA money into ArdmoreDeclared for Limestone County only

2011

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

149 households applied for aid $10K aid approved

2004

Hurricane Ivan

1 household applied for aid

1998

Riv-Severe Winter Wx 12/23/98

$9K to the Town of Ardmore for repairs

Limestone County has had 20 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Ardmore is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.