Natural hazards · Arley

Arley, AL natural hazards

Most of the natural-hazard damage FEMA expects in Arley comes from inland flooding, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Arley?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arley to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes14%Cold waves6%Everything else11%

By hazard

What Arley faces

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

Inland flooding

69% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

14% of expected damage

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

Recorded about once every 13 years in the area

Cold waves

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Arley flood?

FEMA's records show no paid flood insurance claims in Arley.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Winston County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Arley

3 federal disasters brought FEMA money here

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

Brought FEMA money into ArleyDeclared for Winston County only

2011

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

77 households applied for aid $9K aid approved

2004

Hurricane Ivan

3 households applied for aid $1K aid approved

2002

Severe Storms and Tornadoes

18 households applied for aid $102K aid approved

Winston County has had 22 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. Arley 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 Arley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Arley. 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.