Natural hazards · Daphne

Daphne, AL natural hazards

Most of the natural-hazard damage FEMA expects in Daphne comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 75 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Daphne?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Daphne to be higher than in 94% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes69%Inland flooding20%Everything else11%

By hazard

What Daphne faces

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

Hurricanes

69% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

20% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Daphne flood?

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

75paid claims since 1979

$2.5Mpaid to owners

12homes flooded more than once

19792026

Biggest named events

Hurricane Katrina: 27 claims, $395K
Mid-spring storms: 16 claims, $495K
Central U.S. April Flooding: 12 claims, $959K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Baldwin County.

What’s been done with FEMA grants

4homes raised above flood level

3flood-prone properties bought out and cleared

3buildings retrofitted against wind

1storm safe rooms built

Disasters that hit Daphne

11 federal disasters brought FEMA money here

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

Brought FEMA money into DaphneDeclared for Baldwin County only

2020

Hurricane Sally

3,515 households applied for aid $2.4M aid approved $5.8M to the City of Daphne for repairs

2017

Hurricane Nate

$182K to the City of Daphne for repairs

2014

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

394 households applied for aid $771K aid approved $1.1M to the City of Daphne for repairs

2012

Hurricane Isaac

$13K to the City of Daphne for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

$161K to the City of Daphne for repairs

2008

Hurricane Gustav

$51K to the City of Daphne for repairs

2005

Hurricane Katrina

1,258 households applied for aid $916K aid approved $1.7M to the City of Daphne for repairs

2005

Hurricane Dennis

167 households applied for aid $43K aid approved $64K to the City of Daphne for repairs

2004

Hurricane Ivan

1,847 households applied for aid $1.3M aid approved $2.4M to the City of Daphne for repairs

2003

Severe Storms, Tornadoes, and Flooding

219 households applied for aid $495K aid approved

2002

Tropical Storm Isidore

$92K to the City of Daphne for repairs

Baldwin County has had 31 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Daphne

Daphne and the towns around it

Very lowLowModerateHighVery high

Daphnemostly hurricanesVery high

Spanish Fortmostly hurricanesVery high

Fairhopemostly hurricanesVery high

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. Daphne covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Daphne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Daphne. 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 Daphne total about $27.4M 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.