Natural hazards · Cedar Bluff

Cedar Bluff, AL natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Bluff 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 Cedar Bluff?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Bluff to be higher than in 82% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding62%Tornadoes20%Everything else18%

By hazard

What Cedar Bluff faces

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

Inland flooding

62% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 24 years in the area

Lower here

HurricanesHailIce 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 Cedar Bluff flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cherokee County.

What’s been done with FEMA grants

19storm safe rooms built

Disasters that hit Cedar Bluff

3 federal disasters brought FEMA money here

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

Brought FEMA money into Cedar BluffDeclared for Cherokee County only

2019

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

$19K to the Town of Cedar Bluff for repairs

2011

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

79 households applied for aid $15K aid approved $2K to the Town of Cedar Bluff for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Cherokee County has had 23 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. Cedar Bluff 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 Cedar Bluff’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cedar Bluff. 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.