Natural hazards · Coats Bend

Coats Bend, AL natural hazards

Most of the natural-hazard damage FEMA expects in Coats Bend comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1990.

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

Expected damage

How exposed is Coats Bend?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coats Bend to be higher than in 74% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes34%Cold waves6%Everything else16%

By hazard

What Coats Bend faces

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

Inland flooding

45% of expected damage

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

Recorded about once a year in the area

Tornadoes

34% of expected damage

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

Recorded about once every 29 years in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Coats Bend flood?

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

1paid claims since 1990

$2Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Etowah County.

Disasters that hit Coats Bend

Federal disasters declared here

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

Brought FEMA money into Coats BendDeclared for Etowah County only

Etowah County has had 27 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. Coats Bend covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Coats Bend’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Coats Bend. 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 Coats Bend total about $1.5M 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.