Natural hazards · Hytop

Hytop, AL natural hazards

Most of the natural-hazard damage FEMA expects in Hytop comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Hytop?

High

vs. U.S. communities

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

Inland flooding41%Tornadoes23%Cold waves13%Drought7%Everything else16%

By hazard

What Hytop faces

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

Inland flooding

41% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

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

Recorded about once every 11 years in the area

Cold waves

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

Drought

7% of expected damage

Recorded about 32 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Hytop flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Hytop

Federal disasters declared here

None of the disasters declared for Jackson County shows FEMA aid or repair money reaching Hytop itself in FEMA’s records.

Brought FEMA money into HytopDeclared for Jackson County only

Jackson County has had 26 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. Hytop 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 Hytop’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hytop. 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.