Cullman, AL natural hazards
Most of the natural-hazard damage FEMA expects in Cullman comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1990. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Cullman?
FEMA expects yearly storm and flood damage to homes and buildings in Cullman to be higher than in 37% of U.S. communities, mostly from inland flooding and tornadoes.
What Cullman faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Earthquakes
Strong wind
Lower here
Not a risk here
Does Cullman flood?
Every paid claim on a federal flood insurance policy in Cullman, from FEMA’s records.
are insured
are insured
What’s been done with FEMA grants
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in Cullman itself: aid to households, or repair grants to the City of Cullman.
Severe Storms and Tornadoes
Severe Storms, Tornadoes, Straight-Line Winds, and Flooding
Severe Storms, Tornadoes, Straight-Line Winds, and Flooding
Hurricane Katrina
Hurricane Ivan
Severe Storms, Tornadoes, and Flooding
Severe Storms and Tornadoes
Riv-Severe Winter Wx 12/23/98
How to read this page
FEMA’s expected losses across Cullman total about $6.5M 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.