Natural hazards · Megargel

Megargel, AL natural hazards

Most of the natural-hazard damage FEMA expects in Megargel comes from hurricanes, and overall the risk is high 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 Megargel?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Megargel to be higher than in 74% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes35%Inland flooding30%Tornadoes10%Drought7%Everything else18%

By hazard

What Megargel faces

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

Hurricanes

35% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 7 years in the area

Inland flooding

30% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 18 years in the area

Drought

7% of expected damage

Recorded about 16 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat 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 Megargel flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Megargel

1 federal disaster brought FEMA money here

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

Brought FEMA money into MegargelDeclared for Monroe County only

2004

Hurricane Ivan

2 households applied for aid

Monroe County has had 22 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. Megargel 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 Megargel’s own flood-insurance community; household aid to the registrant’s city; repair grants to Megargel. 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.