Natural hazards · Lockhart

Lockhart, AL natural hazards

Most of the natural-hazard damage FEMA expects in Lockhart comes from hurricanes, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lockhart?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockhart to be higher than in 93% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes59%Inland flooding23%Tornadoes8%Everything else11%

By hazard

What Lockhart faces

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

Hurricanes

59% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

23% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 7 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat 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 Lockhart flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Covington County.

Disasters that hit Lockhart

5 federal disasters brought FEMA money here

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

Brought FEMA money into LockhartDeclared for Covington County only

2014

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

$3K to the Town of Lockhart for repairs

2012

Hurricane Isaac

$848 to the Town of Lockhart for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

10 households applied for aid $20K aid approved

2005

Hurricane Dennis

$5K to the Town of Lockhart for repairs

2004

Hurricane Ivan

50 households applied for aid $37K aid approved $10K to the Town of Lockhart for repairs

Covington County has had 30 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. Lockhart 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 Lockhart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lockhart. 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.