Natural hazards · Hokes Bluff

Hokes Bluff, AL natural hazards

Most of the natural-hazard damage FEMA expects in Hokes Bluff comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hokes Bluff?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hokes Bluff to be higher than in 79% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes28%Earthquakes6%Everything else11%

By hazard

What Hokes Bluff faces

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

Inland flooding

55% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 63 years in the area

Earthquakes

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Hokes Bluff flood?

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

2paid claims since 1980

$4Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Etowah County.

What’s been done with FEMA grants

11storm safe rooms built

Disasters that hit Hokes Bluff

3 federal disasters brought FEMA money here

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

Brought FEMA money into Hokes BluffDeclared for Etowah County only

2018

Severe Storms and Tornadoes

1 household applied for aid

2011

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

12 households applied for aid

2004

Hurricane Ivan

3 households applied for aid $3K aid approved

Etowah County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Hokes Bluff

Hokes Bluff and the towns around it

Very lowLowModerateHighVery high

Hokes Bluffmostly inland floodingHigh

Ballplaymostly inland floodingHigh

Glencoemostly inland floodingHigh

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. Hokes Bluff covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hokes Bluff’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hokes Bluff. 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 Hokes Bluff total about $3.3M 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.