Natural hazards · Henagar

Henagar, AL natural hazards

Most of the natural-hazard damage FEMA expects in Henagar comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Henagar?

Moderate

vs. U.S. communities

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

Inland flooding46%Cold waves15%Tornadoes14%Earthquakes8%Strong wind6%Everything else11%

By hazard

What Henagar faces

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

Inland flooding

46% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

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

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 27 years in the area

Earthquakes

8% of expected damage

Well above average · higher than 78% of U.S. places

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Henagar flood?

FEMA's records show no paid flood insurance claims in Henagar.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: DeKalb County.

What’s been done with FEMA grants

23storm safe rooms built

Disasters that hit Henagar

5 federal disasters brought FEMA money here

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

Brought FEMA money into HenagarDeclared for DeKalb County only

2020

Severe Thunderstorms

$140K to the City of Henagar for repairs

2011

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

440 households applied for aid $853K aid approved $15K to the City of Henagar for repairs

2004

Hurricane Ivan

4 households applied for aid $1K aid approved $59K to the City of Henagar for repairs

2003

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $29K aid approved $94K to the City of Henagar for repairs

2000

Severe Winter Storms

$5K to the City of Henagar for repairs

DeKalb County has had 32 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. Henagar covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Henagar’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Henagar. 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 Henagar total about $1.5M 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.