TownTapestry
Sign inJoin
HomewoodGood night
Natural hazards · Homewood

Homewood, AL natural hazards

Most of the natural-hazard damage FEMA expects in Homewood comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 84 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Homewood?

43
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homewood to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes24%Cold waves9%Everything else13%
By hazard

What Homewood faces

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

Inland flooding

54% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

24% of expected damage
Well above average · higher than 96% of U.S. places

Cold waves

9% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Homewood flood?

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

84paid claims since 1979
$3.7Mpaid to owners
13homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Isidore: 1 claim, $4K
  • Not a named storm: 1 claim, $1K
  • Early winter storms: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Homewood is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Jefferson County.

What’s been done with FEMA grants

2storm safe rooms built
Disasters that hit Homewood

9 federal disasters brought FEMA money here

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

Brought FEMA money into HomewoodDeclared for Jefferson County only
2021

Severe Storms and Flooding

1 household applied for aid
2014

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

1 household applied for aid $5K aid approved
2011

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

6 households applied for aid $6K to the City of Homewood for repairs
2009

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

$3K to the City of Homewood for repairs
2005

Hurricane Katrina

$47K to the City of Homewood for repairs
2005

Hurricane Dennis

$14K to the City of Homewood for repairs
2004

Hurricane Ivan

19 households applied for aid $112K aid approved $56K to the City of Homewood for repairs
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $3K aid approved
2001

Severe Storms and Flooding

$169K to the City of Homewood for repairs
Jefferson County has had 36 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Homewood

Homewood and the towns around it

Birmingham: High, mostly inland floodingVestavia Hills: High, mostly inland floodingHoover: High, mostly inland floodingMountain Brook: Moderate, mostly inland floodingIrondale: Moderate, mostly inland floodingCenter Point: Low, mostly inland floodingTrussville: Moderate, mostly inland floodingLeeds: Moderate, mostly inland floodingForestdale: Moderate, mostly inland floodingMcDonald Chapel: High, mostly inland floodingMidfield: High, mostly inland floodingFultondale: Low, mostly inland floodingHelena: High, mostly inland floodingMeadowbrook: Moderate, mostly inland floodingBessemer: Moderate, mostly inland floodingEagle Point: High, mostly inland floodingIndian Springs Village: Moderate, mostly inland floodingPelham: High, mostly inland floodingDunnavant: High, mostly inland floodingBrook Highland: Low, mostly tornadoesHighland Lakes: Moderate, mostly inland floodingHomewood: Moderate, mostly inland flooding HomewoodBirminghamVestavia HillsHooverMountain Brook
Very lowLowModerateHighVery high
Vestavia Hillsmostly inland floodingHigh
Hoovermostly inland floodingHigh
Birminghammostly inland floodingHigh
Mountain Brookmostly inland floodingModerate
Homewoodmostly 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. Homewood covers 7 census tracts, combined by population.
Money that reached townFlood claims are matched to Homewood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Homewood. 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 Homewood total about $10.0M 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.

We left the porch light on

Where to, neighbor?

You’re in Homewood, ALView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Homewood is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map