Natural hazards · Chunchula

Chunchula, AL natural hazards

Most of the natural-hazard damage FEMA expects in Chunchula comes from hurricanes, and overall the risk is very high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Chunchula?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chunchula to be higher than in 88% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes57%Inland flooding25%Tornadoes5%Everything else13%

By hazard

What Chunchula faces

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

Hurricanes

57% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

25% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once every 6 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 Chunchula flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mobile County.

Disasters that hit Chunchula

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Chunchula itself: aid to households, or repair grants to Chunchula.

Brought FEMA money into ChunchulaDeclared for Mobile County only

2020

Hurricane Zeta

115 households applied for aid $143K aid approved

2020

Hurricane Sally

208 households applied for aid $325K aid approved

2014

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

43 households applied for aid $47K aid approved

2005

Hurricane Katrina

1,048 households applied for aid $1.4M aid approved

2005

Hurricane Dennis

74 households applied for aid $37K aid approved

2004

Hurricane Ivan

632 households applied for aid $1.5M aid approved

2003

Severe Storms, Tornadoes, and Flooding

85 households applied for aid $191K aid approved

Mobile County has had 32 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. Chunchula 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 Chunchula’s own flood-insurance community; household aid to the registrant’s city; repair grants to Chunchula. 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.