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Natural hazards · Center Point

Center Point, AL natural hazards

Most of the natural-hazard damage FEMA expects in Center Point comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2009. 7 federal disasters brought FEMA money into town.

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

How exposed is Center Point?

27
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Center Point to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes28%Cold waves15%Earthquakes12%Heat waves7%Everything else7%
By hazard

What Center Point faces

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

Inland flooding

30% of expected damage
Below average · higher than 28% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

28% of expected damage
Well above average · higher than 96% of U.S. places

Cold waves

15% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Earthquakes

12% of expected damage
Above average · higher than 74% of U.S. places

Heat waves

7% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Center Point flood?

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

4paid claims since 2009
$57Kpaid to owners
1homes flooded more than once
20092026

Biggest named events

  • Early winter storms: 1 claim, $16K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Center Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
1storm safe rooms built
Disasters that hit Center Point

7 federal disasters brought FEMA money here

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

Brought FEMA money into Center PointDeclared for Jefferson County only
2021

Severe Storms and Flooding

4 households applied for aid $6K aid approved
2021

Severe Storms, Straight-Line Winds, and Tornadoes

11 households applied for aid $4K aid approved
2014

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

9 households applied for aid $3K aid approved
2012

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

517 households applied for aid $297K aid approved
2011

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

260 households applied for aid $45K aid approved
2004

Hurricane Ivan

11 households applied for aid $9K aid approved $2K to the City of Center Point for repairs
2003

Severe Storms, Tornadoes, and Flooding

20 households applied for aid $57K aid approved
Jefferson County has had 36 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Center Point

Center Point and the towns around it

Birmingham: High, mostly inland floodingPinson: High, mostly inland floodingGrayson Valley: Moderate, mostly inland floodingClay: Moderate, mostly inland floodingIrondale: Moderate, mostly inland floodingHomewood: Moderate, mostly inland floodingMountain Brook: Moderate, mostly inland floodingTrussville: Moderate, mostly inland floodingVestavia Hills: High, mostly inland floodingHoover: High, mostly inland floodingLeeds: Moderate, mostly inland floodingForestdale: Moderate, mostly inland floodingMcDonald Chapel: High, mostly inland floodingMidfield: High, mostly inland floodingFultondale: Low, mostly inland floodingCenter Point: Low, mostly inland flooding Center PointBirminghamPinsonGrayson ValleyClay
Very lowLowModerateHighVery high
Pinsonmostly inland floodingHigh
Birminghammostly inland floodingHigh
Grayson Valleymostly inland floodingModerate
Claymostly inland floodingModerate
Center Pointmostly inland floodingLow
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. Center Point covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Center Point’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Center Point. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Center Point total about $4.5M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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