Natural hazards · Elmore

Elmore, AL natural hazards

Most of the natural-hazard damage FEMA expects in Elmore comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Elmore?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmore to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes11%Heat waves9%Earthquakes7%Everything else12%

By hazard

What Elmore faces

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

Inland flooding

62% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 82% of U.S. places

Heat waves

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 9 times a year in the area

Earthquakes

7% of expected damage

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

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 Elmore flood?

FEMA's records show no paid flood insurance claims in Elmore.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Elmore County.

What’s been done with FEMA grants

13storm safe rooms built

Disasters that hit Elmore

6 federal disasters brought FEMA money here

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

Brought FEMA money into ElmoreDeclared for Elmore County only

2023

Severe Storms, Straight-Line Winds, and Tornadoes

16 households applied for aid $47K aid approved

2011

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

19 households applied for aid $40K aid approved

2009

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

38 households applied for aid $107K aid approved $9K to the Town of Elmore for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

$4K to the Town of Elmore for repairs

2005

Hurricane Dennis

$1K to the Town of Elmore for repairs

2004

Hurricane Ivan

109 households applied for aid $105K aid approved

Elmore County has had 21 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Elmore

Elmore and the towns around it

Very lowLowModerateHighVery high

Millbrookmostly inland floodingHigh

Elmoremostly inland floodingHigh

Coosadamostly inland floodingHigh

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