Natural hazards · Loachapoka

Loachapoka, AL natural hazards

Most of the natural-hazard damage FEMA expects in Loachapoka comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Loachapoka?

Moderate

vs. U.S. communities

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

Inland flooding70%Heat waves7%Tornadoes7%Hurricanes5%Everything else10%

By hazard

What Loachapoka faces

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

Inland flooding

70% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Heat waves

7% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 32 years in the area

Hurricanes

5% of expected damage

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

Recorded about once every 11 years in the area

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Loachapoka flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lee County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Loachapoka

1 federal disaster brought FEMA money here

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

Brought FEMA money into LoachapokaDeclared for Lee County only

2004

Hurricane Ivan

5 households applied for aid $226 aid approved $225 to the Town of Loachapoka for repairs

Lee County has had 20 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Loachapoka 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 Loachapoka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Loachapoka. 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.