Natural hazards · Enterprise

Enterprise, AL natural hazards

Most of the natural-hazard damage FEMA expects in Enterprise comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 44 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Enterprise?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Enterprise to be higher than in 51% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding44%Hurricanes28%Tornadoes17%Everything else10%

By hazard

What Enterprise faces

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

Inland flooding

44% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

28% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 6 years in the area

Tornadoes

17% of expected damage

Well above average · higher than 85% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Enterprise flood?

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

44paid claims since 1978

$452Kpaid to owners

6homes flooded more than once

19782026

Biggest named events

Hurricane Opal: 3 claims, $9K
Hurricane Sally: 1 claim, $331
Tropical Storm Alberto: 1 claim, $2K

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. Enterprise isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Coffee County.

What’s been done with FEMA grants

84storm safe rooms built

2buildings retrofitted against wind

1homes raised above flood level

Disasters that hit Enterprise

6 federal disasters brought FEMA money here

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

Brought FEMA money into EnterpriseDeclared for Coffee County only

2020

Hurricane Sally

1 household applied for aid

2017

Hurricane Irma

$12K to the City of Enterprise for repairs

2009

Severe Storms and Flooding

$49K to the City of Enterprise for repairs

2007

Severe Storms and Tornadoes

1,161 households applied for aid $1.0M aid approved $1.6M to the City of Enterprise for repairs

2005

Hurricane Dennis

$31K to the City of Enterprise for repairs

2004

Hurricane Ivan

244 households applied for aid $140K aid approved $175K to the City of Enterprise for repairs

Coffee County has had 26 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Enterprise covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Enterprise’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Enterprise. 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 Enterprise total about $17.9M 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.