Natural hazards · Loxley

Loxley, AL natural hazards

Most of the natural-hazard damage FEMA expects in Loxley comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 10 claims here since 1981. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Loxley?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loxley to be higher than in 94% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes70%Inland flooding16%Everything else14%

By hazard

What Loxley faces

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

Hurricanes

70% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

16% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce 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 Loxley flood?

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

10paid claims since 1981

$227Kpaid to owners

1homes flooded more than once

19812026

Biggest named events

Hurricane Sally: 4 claims, $186K
Hurricane Gustav: 1 claim, $5K
Hurricane Georges: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Baldwin County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Loxley

8 federal disasters brought FEMA money here

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

Brought FEMA money into LoxleyDeclared for Baldwin County only

2020

Hurricane Sally

1,230 households applied for aid $1.1M aid approved $1.2M to the City of Loxley for repairs

2014

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

147 households applied for aid $217K aid approved $35K to the City of Loxley for repairs

2012

Hurricane Isaac

$6K to the City of Loxley for repairs

2008

Hurricane Gustav

$16K to the City of Loxley for repairs

2005

Hurricane Katrina

327 households applied for aid $341K aid approved $36K to the City of Loxley for repairs

2005

Hurricane Dennis

61 households applied for aid $12K aid approved $13K to the City of Loxley for repairs

2004

Hurricane Ivan

1,088 households applied for aid $1.2M aid approved $699K to the City of Loxley for repairs

2003

Severe Storms, Tornadoes, and Flooding

65 households applied for aid $127K aid approved

Baldwin County has had 31 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Loxley

Loxley and the towns around it

Very lowLowModerateHighVery high

Loxleymostly hurricanesVery high

Spanish Fortmostly hurricanesVery high

Stapletonmostly hurricanesVery high

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