Bellamy’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Bellamy comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.
What stands out about Bellamy’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Bellamy flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bellamy. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bellamy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sumter County.How exposed is Bellamy?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 77% of U.S. communities, mostly from inland flooding and tornadoes.
Rated higher than 430 of the 594 Alabama towns we cover.
Bellamy is smaller than a census tract, so it shares the figures of the tract around its center.
What Bellamy faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Hurricanes
Cold waves
Heat waves
4 federal disasters brought FEMA money to Bellamy
Disasters that paid out in Bellamy itself (aid to households or repair grants to Bellamy) and its biggest flood years.
- 2023Severe Storms, Straight-Line Winds, and Tornadoes1 household applied for aid
- 2011Severe Storms, Tornadoes, Straight-Line Winds, and Flooding10 households applied for aid
- 2005Hurricane Katrina81 households applied for aid$55K aid approved
- 2004Hurricane Ivan101 households applied for aid$161K aid approved
Sumter County has had 16 natural disasters declared since 1953, most often hurricanes and severe storms.
Old photos of Bellamy after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bellamy archive →Get ready for what Bellamy actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in July–September
The month each of Sumter County’s 16 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Bellamy’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bellamy.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Bellamy.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.