Natural hazards · Atmore

Atmore, AL natural hazards

Most of the natural-hazard damage FEMA expects in Atmore comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 72 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Atmore?

Very high

vs. U.S. communities

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

Hurricanes54%Inland flooding20%Tornadoes10%Everything else17%

By hazard

What Atmore faces

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

Hurricanes

54% of expected damage

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

Recorded about once every 6 years in the area

Inland flooding

20% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 8 years in the area

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 Atmore flood?

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

72paid claims since 1980

$1.3Mpaid to owners

10homes flooded more than once

19802026

Biggest named events

Hurricane Ivan: 9 claims, $197K
Hurricane Opal: 5 claims, $40K
Hurricane Georges: 4 claims, $82K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Escambia County.

What’s been done with FEMA grants

5storm safe rooms built

1flood-prone properties bought out and cleared

1buildings retrofitted against wind

Disasters that hit Atmore

6 federal disasters brought FEMA money here

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

Brought FEMA money into AtmoreDeclared for Escambia County only

2020

Hurricane Sally

1,720 households applied for aid $2.4M aid approved $957K to the City of Atmore for repairs

2011

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

146 households applied for aid $48K aid approved

2009

Severe Storms and Flooding

$4K to the City of Atmore for repairs

2005

Hurricane Dennis

1,601 households applied for aid $1.3M aid approved $1.1M to the City of Atmore for repairs

2004

Hurricane Ivan

4,594 households applied for aid $9.0M aid approved $984K to the City of Atmore for repairs

2003

Severe Storms, Tornadoes, and Flooding

953 households applied for aid $1.0M aid approved

Escambia County has had 24 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. Atmore 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 Atmore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Atmore. 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.