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Natural hazards · Hoover

Hoover, AL natural hazards

Most of the natural-hazard damage FEMA expects in Hoover comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 130 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

How exposed is Hoover?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hoover to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes24%Cold waves7%Everything else12%
By hazard

What Hoover faces

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

Inland flooding

56% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

24% of expected damage
Well above average · higher than 98% of U.S. places

Cold waves

7% of expected damage
Well above average · higher than 83% 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 Hoover flood?

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

130paid claims since 1979
$3.0Mpaid to owners
19homes flooded more than once
19792026

Biggest named events

  • Hurricane Ivan: 4 claims, $35K
  • Hurricane Opal: 2 claims, $35K
  • Not a named storm: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Hoover is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Jefferson County.

What’s been done with FEMA grants

21storm safe rooms built
Disasters that hit Hoover

10 federal disasters brought FEMA money here

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

Brought FEMA money into HooverDeclared for Jefferson County only
2021

Severe Storms and Flooding

146 households applied for aid $215K aid approved
2021

Severe Storms, Straight-Line Winds, and Tornadoes

8 households applied for aid $20K to the City of Hoover for repairs
2014

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

7 households applied for aid $1K aid approved
2011

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

50 households applied for aid $21K aid approved $548K to the City of Hoover for repairs
2009

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

$11K to the City of Hoover for repairs
2005

Hurricane Katrina

$136K to the City of Hoover for repairs
2005

Hurricane Dennis

$63K to the City of Hoover for repairs
2004

Hurricane Ivan

25 households applied for aid $19K aid approved $275K to the City of Hoover for repairs
2003

Severe Storms, Tornadoes, and Flooding

$7K to the City of Hoover for repairs
2001

Severe Storms and Flooding

$30K to the City of Hoover for repairs
Jefferson County has had 36 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Hoover

Hoover and the towns around it

Helena: High, mostly inland floodingVestavia Hills: High, mostly inland floodingMeadowbrook: Moderate, mostly inland floodingBirmingham: High, mostly inland floodingBessemer: Moderate, mostly inland floodingEagle Point: High, mostly inland floodingIndian Springs Village: Moderate, mostly inland floodingPelham: High, mostly inland floodingHomewood: Moderate, mostly inland floodingDunnavant: High, mostly inland floodingBrook Highland: Low, mostly tornadoesHighland Lakes: Moderate, mostly inland floodingAlabaster: Moderate, 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 floodingMcCalla: Moderate, mostly inland floodingHueytown: High, mostly inland floodingBrighton: High, mostly inland floodingLipscomb: Moderate, mostly inland floodingChelsea: High, mostly inland floodingShoal Creek: High, mostly inland floodingVandiver: High, mostly inland floodingHoover: High, mostly inland flooding HooverHelenaVestavia HillsMeadowbrookBirminghamBessemerEagle PointIndian Springs VillagePelhamHomewoodDunnavantBrook HighlandHighland Lakes
Very lowLowModerateHighVery high
Pelhammostly inland floodingHigh
Helenamostly inland floodingHigh
Dunnavantmostly inland floodingHigh
Vestavia Hillsmostly inland floodingHigh
Hoovermostly inland floodingHigh
Eagle Pointmostly inland floodingHigh
Birminghammostly inland floodingHigh
Indian Springs Villagemostly inland floodingModerate
Highland Lakesmostly inland floodingModerate
Meadowbrookmostly inland floodingModerate
Bessemermostly inland floodingModerate
Homewoodmostly inland floodingModerate
Brook Highlandmostly tornadoesLow
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. Hoover covers 18 census tracts, combined by population.
Money that reached townFlood claims are matched to Hoover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hoover. 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 Hoover total about $37.4M 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.

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