Natural hazards · Carolina

Carolina, AL natural hazards

Most of the natural-hazard damage FEMA expects in Carolina comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Carolina?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carolina to be higher than in 92% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes52%Inland flooding27%Tornadoes9%Everything else12%

By hazard

What Carolina faces

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

Hurricanes

52% of expected damage

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

Recorded about once every 5 years in the area

Inland flooding

27% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

9% of expected damage

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

Recorded about once every 5 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 Carolina flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Covington County.

Disasters that hit Carolina

Federal disasters declared here

None of the disasters declared for Covington County shows FEMA aid or repair money reaching Carolina itself in FEMA’s records.

Brought FEMA money into CarolinaDeclared for Covington County only

Covington County has had 30 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. Carolina 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 Carolina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Carolina. 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.