Natural hazards · Geneva

Geneva, AL natural hazards

Most of the natural-hazard damage FEMA expects in Geneva comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 97 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Geneva?

53
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Geneva to be higher than in 53% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes30%Tornadoes9%Everything else16%
By hazard

What Geneva faces

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

Inland flooding

45% of expected damage
Above average · higher than 50% of U.S. places
Recorded about once a year in the area

Hurricanes

30% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 6 years in the area

Tornadoes

9% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once every 19 years in the area

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 Geneva flood?

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

97paid claims since 1978
$1.3Mpaid to owners
8homes flooded more than once
19782026

Biggest named events

  • Tropical Storm Alberto: 22 claims, $439K
  • Hurricane Georges: 5 claims, $29K
  • Hurricane Irma: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Geneva isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Geneva County.

What’s been done with FEMA grants

23storm safe rooms built
17flood-prone properties bought out and cleared
2homes raised above flood level
Disasters that hit Geneva

10 federal disasters brought FEMA money here

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

Brought FEMA money into GenevaDeclared for Geneva County only
2020

Hurricane Sally

$99K to the City of Geneva for repairs
2018

Hurricane Michael

$52K to the City of Geneva for repairs
2015

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

$94K to the City of Geneva for repairs
2014

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

$158K to the City of Geneva for repairs
2012

Hurricane Isaac

$260K to the City of Geneva for repairs
2009

Severe Storms and Flooding

$64K to the City of Geneva for repairs
2009

Severe Storms, Flooding, Tornadoes & Straight-Line

89 households applied for aid $118K aid approved $217K to the City of Geneva for repairs
2005

Hurricane Dennis

$108K to the City of Geneva for repairs
2004

Hurricane Ivan

141 households applied for aid $104K aid approved $50K to the City of Geneva for repairs
2000

Severe Storms and Tornadoes

$23K to the City of Geneva for repairs
Geneva County has had 28 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. Geneva covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Geneva’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Geneva. 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 Geneva total about $2.3M 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