Natural hazards · Hurtsboro

Hurtsboro, AL natural hazards

Most of the natural-hazard damage FEMA expects in Hurtsboro comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1996. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hurtsboro?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hurtsboro to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding57%Drought13%Hurricanes7%Tornadoes7%Heat waves5%Everything else11%

By hazard

What Hurtsboro faces

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

Inland flooding

57% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Drought

13% of expected damage

Recorded about 46 times a year in the area

Hurricanes

7% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 10 years in the area

Tornadoes

7% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once every 7 years in the area

Heat waves

5% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 8 times a year in the area

Lower here

HailIce stormsWinter weatherCold 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 Hurtsboro flood?

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

1paid claims since 1996

$4Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Russell County.

What’s been done with FEMA grants

14flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Hurtsboro

3 federal disasters brought FEMA money here

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

Brought FEMA money into HurtsboroDeclared for Russell County only

2011

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

1 household applied for aid

2004

Hurricane Ivan

179 households applied for aid $192K aid approved

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved

Russell County has had 21 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. Hurtsboro is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hurtsboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hurtsboro. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.