Natural hazards · Eagle Point

Eagle Point, AL natural hazards

Most of the natural-hazard damage FEMA expects in Eagle Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2021.

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

Expected damage

How exposed is Eagle Point?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eagle Point to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes31%Cold waves6%Everything else10%

By hazard

What Eagle Point faces

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

Inland flooding

53% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

31% of expected damage

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

Cold waves

6% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Eagle Point flood?

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

4paid claims since 2021

$231Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Eagle Point

Federal disasters declared here

None of the disasters declared for Shelby County shows FEMA aid or repair money reaching Eagle Point itself in FEMA’s records.

Brought FEMA money into Eagle PointDeclared for Shelby County only

Shelby County has had 24 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Eagle Point

Eagle Point and the towns around it

Very lowLowModerateHighVery high

Pelhammostly inland floodingHigh

Eagle Pointmostly inland floodingHigh

Hoovermostly inland floodingHigh

Meadowbrookmostly inland floodingModerate

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. Eagle Point covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Eagle Point’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Eagle Point. 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 Eagle Point total about $2.5M 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.