Natural hazards · Five Points

Five Points, AL natural hazards

Most of the natural-hazard damage FEMA expects in Five Points comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Five Points?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Five Points to be higher than in 58% of U.S. communities, mostly from inland flooding.

Inland flooding60%Tornadoes14%Heat waves10%Everything else16%

By hazard

What Five Points faces

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

Inland flooding

60% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 6 years in the area

Heat waves

10% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Five Points flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chambers County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Five Points

2 federal disasters brought FEMA money here

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

Brought FEMA money into Five PointsDeclared for Chambers County only

2011

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

9 households applied for aid $3K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $915 aid approved

Chambers County has had 20 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. Five Points 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 Five Points’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Five Points. 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.