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Natural hazards · Midfield

Midfield, AL natural hazards

Most of the natural-hazard damage FEMA expects in Midfield comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 37 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Midfield?

62
High
vs. U.S. communities

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

Inland flooding57%Tornadoes20%Cold waves10%Everything else13%
By hazard

What Midfield faces

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

Inland flooding

57% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

20% of expected damage
Well above average · higher than 96% of U.S. places

Cold waves

10% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Midfield flood?

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

37paid claims since 1979
$437Kpaid to owners
7homes flooded more than once
19792026

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. Midfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.

What’s been done with FEMA grants

1storm safe rooms built
Disasters that hit Midfield

9 federal disasters brought FEMA money here

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

Brought FEMA money into MidfieldDeclared for Jefferson County only
2021

Severe Storms and Flooding

2 households applied for aid $3K aid approved
2021

Severe Storms, Straight-Line Winds, and Tornadoes

2 households applied for aid $34K aid approved
2014

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

4 households applied for aid $4K aid approved
2011

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

36 households applied for aid $8K aid approved
2009

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

$26K to the City of Midfield for repairs
2005

Hurricane Katrina

$29K to the City of Midfield for repairs
2004

Hurricane Ivan

36 households applied for aid $40K aid approved $11K to the City of Midfield for repairs
2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $11K aid approved
2001

Severe Storms and Flooding

$46K to the City of Midfield for repairs
Jefferson County has had 36 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Midfield

Midfield and the towns around it

Fairfield: Low, mostly inland floodingBirmingham: High, mostly inland floodingBrighton: High, mostly inland floodingIrondale: Moderate, mostly inland floodingCenter Point: Low, mostly inland floodingHomewood: Moderate, mostly inland floodingMountain Brook: Moderate, mostly inland floodingTrussville: Moderate, mostly inland floodingVestavia Hills: High, mostly inland floodingHoover: High, mostly inland floodingLeeds: Moderate, mostly inland floodingForestdale: Moderate, mostly inland floodingMcDonald Chapel: High, mostly inland floodingFultondale: Low, mostly inland floodingBessemer: Moderate, mostly inland floodingMidfield: High, mostly inland flooding MidfieldFairfieldBirminghamBrighton
Very lowLowModerateHighVery high
Brightonmostly inland floodingHigh
Midfieldmostly inland floodingHigh
Birminghammostly inland floodingHigh
Fairfieldmostly inland floodingLow
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. Midfield covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Midfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Midfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Midfield total about $2.3M a year, counting buildings, people and crops.

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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