Natural hazards · Coker

Coker, AL natural hazards

Most of the natural-hazard damage FEMA expects in Coker comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2021. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coker?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coker to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes23%Earthquakes11%Heat waves7%Everything else15%

By hazard

What Coker 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

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

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

Recorded about once every 15 years in the area

Earthquakes

11% of expected damage

Well above average · higher than 78% of U.S. places

Heat waves

7% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Coker flood?

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

1paid claims since 2021

$30Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Coker 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

45storm safe rooms built

Disasters that hit Coker

4 federal disasters brought FEMA money here

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

Brought FEMA money into CokerDeclared for Tuscaloosa County only

2014

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

4 households applied for aid $5K aid approved

2011

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

48 households applied for aid $6K aid approved

2005

Hurricane Katrina

16 households applied for aid $21K aid approved

2004

Hurricane Ivan

3 households applied for aid

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. Coker 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 Coker’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Coker. 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.

Coker, AL natural hazards

How exposed is Coker?

What Coker faces

Inland flooding

Tornadoes

Earthquakes

Heat waves

Lower here

Not a risk here

Does Coker 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

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