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Natural hazards · Locust Fork

Locust Fork, AL natural hazards

Most of the natural-hazard damage FEMA expects in Locust Fork comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Locust Fork?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Locust Fork to be higher than in 62% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes34%Cold waves6%Strong wind5%Everything else12%
By hazard

What Locust Fork faces

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

Inland flooding

43% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once a year in the area

Tornadoes

34% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 19 years in the area

Cold waves

6% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once a year in the area

Strong wind

5% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Locust Fork flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Locust Fork isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Blount County.

What’s been done with FEMA grants

5storm safe rooms built
Disasters that hit Locust Fork

3 federal disasters brought FEMA money here

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

Brought FEMA money into Locust ForkDeclared for Blount County only
2014

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

2 households applied for aid $25K aid approved
2011

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

5 households applied for aid
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved
Blount County has had 23 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. Locust Fork 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 Locust Fork’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Locust Fork. 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.

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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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