Natural hazards · Coaling

Coaling, AL natural hazards

Most of the natural-hazard damage FEMA expects in Coaling comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coaling?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coaling to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes24%Heat waves8%Cold waves6%Earthquakes5%Everything else8%

By hazard

What Coaling faces

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

Inland flooding

50% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 32 years in the area

Heat waves

8% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 10 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once every 2 years in the area

Earthquakes

5% of expected damage

Above average · higher than 69% of U.S. places

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 Coaling flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuscaloosa County.

What’s been done with FEMA grants

11storm safe rooms built

Disasters that hit Coaling

4 federal disasters brought FEMA money here

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

Brought FEMA money into CoalingDeclared for Tuscaloosa County only

2014

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

1 household applied for aid

2011

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

142 households applied for aid $103K aid approved

2005

Hurricane Katrina

11 households applied for aid $17K aid approved

2004

Hurricane Ivan

3 households applied for aid $5K aid approved

Tuscaloosa County has had 25 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. Coaling 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 Coaling’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Coaling. 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.

Coaling, AL natural hazards

How exposed is Coaling?

What Coaling faces

Inland flooding

Tornadoes

Heat waves

Cold waves

Earthquakes

Lower here

Not a risk here

Does Coaling flood?

What’s been done with FEMA grants

4 federal disasters brought FEMA money here

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

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

Hurricane Katrina

Hurricane Ivan

How to read this page

Where to, neighbor?

Matches

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