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Natural hazards · Fultondale

Fultondale, AL natural hazards

Most of the natural-hazard damage FEMA expects in Fultondale comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2000. 9 federal disasters brought FEMA money into town.

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

How exposed is Fultondale?

37
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fultondale to be higher than in 37% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes26%Cold waves13%Earthquakes8%Heat waves6%Everything else6%
By hazard

What Fultondale faces

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

Inland flooding

42% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

26% of expected damage
Well above average · higher than 96% of U.S. places

Cold waves

13% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Earthquakes

8% of expected damage
Above average · higher than 70% of U.S. places

Heat waves

6% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Fultondale flood?

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

3paid claims since 2000
$42Kpaid to owners
0homes flooded more than once
20002026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Fultondale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.

What’s been done with FEMA grants

11storm safe rooms built
7flood-prone properties bought out and cleared
Disasters that hit Fultondale

9 federal disasters brought FEMA money here

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

Brought FEMA money into FultondaleDeclared for Jefferson County only
2021

Severe Storms and Flooding

1 household applied for aid
2021

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid
2014

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

2 households applied for aid $15K aid approved
2011

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

598 households applied for aid $622K aid approved $1.8M to the City of Fultondale for repairs
2009

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

$5K to the City of Fultondale for repairs
2005

Hurricane Katrina

$32K to the City of Fultondale for repairs
2004

Hurricane Ivan

8 households applied for aid $3K aid approved $19K to the City of Fultondale for repairs
2003

Severe Storms, Tornadoes, and Flooding

30 households applied for aid $131K aid approved $87K to the City of Fultondale for repairs
2001

Severe Storms and Flooding

$15K to the City of Fultondale for repairs
Jefferson County has had 36 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Fultondale

Fultondale and the towns around it

Gardendale: Moderate, mostly inland floodingBirmingham: High, mostly inland floodingTarrant: Moderate, mostly inland floodingMount Olive: High, mostly inland floodingBrookside: High, mostly inland floodingIrondale: Moderate, mostly inland floodingCenter Point: Low, mostly inland floodingHomewood: Moderate, mostly inland floodingMountain Brook: Moderate, mostly inland floodingTrussville: Moderate, mostly inland floodingVestavia Hills: High, mostly inland floodingHoover: High, mostly inland floodingLeeds: Moderate, mostly inland floodingForestdale: Moderate, mostly inland floodingMcDonald Chapel: High, mostly inland floodingMidfield: High, mostly inland floodingFultondale: Low, mostly inland flooding FultondaleGardendaleBirminghamTarrant
Very lowLowModerateHighVery high
Birminghammostly inland floodingHigh
Tarrantmostly inland floodingModerate
Gardendalemostly inland floodingModerate
Fultondalemostly inland floodingLow
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. Fultondale covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Fultondale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fultondale. 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 Fultondale total about $2.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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