Natural hazards · Headland

Headland, AL natural hazards

Most of the natural-hazard damage FEMA expects in Headland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1998. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Headland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Headland to be higher than in 55% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes23%Tornadoes22%Cold waves5%Drought5%Everything else9%

By hazard

What Headland 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

Above average · higher than 52% of U.S. places

Recorded about once every 3 years in the area

Hurricanes

23% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 18 years in the area

Cold waves

5% of expected damage

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

Recorded about 2 times a year in the area

Drought

5% of expected damage

Recorded about 42 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Headland flood?

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

1paid claims since 1998

$10Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Headland

7 federal disasters brought FEMA money here

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

Brought FEMA money into HeadlandDeclared for Henry County only

2018

Hurricane Michael

$113K to the City of Headland for repairs

2017

Hurricane Irma

$3K to the City of Headland for repairs

2009

Severe Storms and Flooding

$47K to the City of Headland for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

4 households applied for aid $3K aid approved $18K to the City of Headland for repairs

2005

Hurricane Dennis

$12K to the City of Headland for repairs

2004

Hurricane Ivan

14 households applied for aid $7K aid approved

2002

Severe Storms and Tornadoes

1 household applied for aid

Henry County has had 25 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Headland

Headland and the towns around it

Very lowLowModerateHighVery high

Dothanmostly inland floodingModerate

Headlandmostly inland floodingModerate

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. Headland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Headland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Headland. 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 Headland total about $3.1M 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.