Natural hazards · Banks

Banks, AL natural hazards

Most of the natural-hazard damage FEMA expects in Banks comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Banks?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Banks to be higher than in 53% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes26%Tornadoes10%Heat waves9%Everything else15%

By hazard

What Banks faces

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

Inland flooding

41% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

26% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 8 years in the area

Tornadoes

10% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 8 years in the area

Heat waves

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 9 times a year in the area

Lower here

HailIce stormsWinter weatherCold 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 Banks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pike County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Banks

1 federal disaster brought FEMA money here

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

Brought FEMA money into BanksDeclared for Pike County only

2004

Hurricane Ivan

64 households applied for aid $91K aid approved

Pike County has had 20 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. Banks 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 Banks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Banks. 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.