Natural hazards · Choccolocco

Choccolocco, AL natural hazards

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

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

Expected damage

How exposed is Choccolocco?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Choccolocco to be higher than in 68% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes32%Everything else15%

By hazard

What Choccolocco faces

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

Inland flooding

53% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Tornadoes

32% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 33 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 Choccolocco flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calhoun County.

Disasters that hit Choccolocco

Federal disasters declared here

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

Brought FEMA money into ChoccoloccoDeclared for Calhoun County only

Calhoun County has had 20 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. Choccolocco 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 Choccolocco’s own flood-insurance community; household aid to the registrant’s city; repair grants to Choccolocco. 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.