Natural hazards · Falkville

Falkville, AL natural hazards

Most of the natural-hazard damage FEMA expects in Falkville comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1997. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Falkville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Falkville to be higher than in 74% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes35%Cold waves7%Earthquakes6%Everything else10%

By hazard

What Falkville faces

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

Inland flooding

43% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

35% of expected damage

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

Recorded about once every 10 years in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 77% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Falkville flood?

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

4paid claims since 1997

$79Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Early winter storms: 3 claims, $69K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

What’s been done with FEMA grants

8storm safe rooms built

Disasters that hit Falkville

3 federal disasters brought FEMA money here

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

Brought FEMA money into FalkvilleDeclared for Morgan County only

2023

Severe Storms, Straight-Line Winds, and Tornadoes

1 household applied for aid $24K to the Town of Falkville for repairs

2011

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

162 households applied for aid $19K aid approved $19K to the Town of Falkville for repairs

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

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

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. Falkville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Falkville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Falkville. 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 Falkville total about $3.1M 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.