Natural hazards · Harvest

Harvest, AL natural hazards

Most of the natural-hazard damage FEMA expects in Harvest comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2015. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harvest?

Low

vs. U.S. communities

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

Inland flooding36%Tornadoes25%Cold waves15%Earthquakes9%Heat waves5%Everything else9%

By hazard

What Harvest faces

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

Inland flooding

36% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

25% of expected damage

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

Recorded about once every 88 years in the area

Cold waves

15% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Earthquakes

9% of expected damage

Well above average · higher than 76% of U.S. places

Heat waves

5% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Harvest flood?

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

1paid claims since 2015

$16Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Early winter storms: 1 claim, $16K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

What’s been done with FEMA grants

14storm safe rooms built

Disasters that hit Harvest

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarvestDeclared for Madison County only

2011

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

2,454 households applied for aid $1.3M aid approved

2003

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $16K aid approved

Madison County has had 19 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. Harvest covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harvest’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Harvest. 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 Harvest total about $1.8M 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.