Natural hazards · Moody

Moody, AL natural hazards

Most of the natural-hazard damage FEMA expects in Moody comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 2003. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Moody?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moody to be higher than in 60% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes28%Cold waves5%Everything else13%

By hazard

What Moody faces

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

Inland flooding

54% of expected damage

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

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 98% of U.S. places

Cold waves

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Moody flood?

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

7paid claims since 2003

$134Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Hurricane Dennis: 1 claim, $16K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit Moody

3 federal disasters brought FEMA money here

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

Brought FEMA money into MoodyDeclared for St. Clair County only

2011

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

674 households applied for aid $496K aid approved $239K to the City of Moody for repairs

2004

Hurricane Ivan

7 households applied for aid $11K aid approved

2003

Severe Storms, Tornadoes, and Flooding

33 households applied for aid $111K aid approved $33K to the City of Moody for repairs

St. Clair County has had 28 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Moody

Moody and the towns around it

Very lowLowModerateHighVery high

Moodymostly inland floodingHigh

Leedsmostly inland floodingModerate

Odenvillemostly inland floodingModerate

Trussvillemostly inland floodingModerate

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. Moody covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Moody’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Moody. 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 Moody total about $5.4M 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.