Natural hazards · Fulton

Fulton, AL natural hazards

Most of the natural-hazard damage FEMA expects in Fulton comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 8 claims here since 2018. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fulton?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fulton to be higher than in 84% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding39%Hurricanes31%Tornadoes13%Cold waves7%Everything else10%

By hazard

What Fulton faces

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

Inland flooding

39% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Hurricanes

31% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

13% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 16 years in the area

Cold waves

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HailIce 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 Fulton flood?

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

8paid claims since 2018

$456Kpaid to owners

1homes flooded more than once

20182026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clarke County.

Disasters that hit Fulton

7 federal disasters brought FEMA money here

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

Brought FEMA money into FultonDeclared for Clarke County only

2020

Hurricane Zeta

40 households applied for aid $115K aid approved $23K to the Town of Fulton for repairs

2011

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

12 households applied for aid

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

$5K to the Town of Fulton for repairs

2005

Hurricane Katrina

105 households applied for aid $131K aid approved

2005

Hurricane Dennis

$15K to the Town of Fulton for repairs

2004

Hurricane Ivan

119 households applied for aid $175K aid approved $25K to the Town of Fulton for repairs

2003

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $43K aid approved

Clarke County has had 22 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. Fulton 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 Fulton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fulton. 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.