Natural hazards · Munford

Munford, AL natural hazards

Most of the natural-hazard damage FEMA expects in Munford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 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 Munford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Munford to be higher than in 66% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes21%Cold waves16%Everything else15%

By hazard

What Munford faces

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

Inland flooding

49% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 20 years in the area

Cold waves

16% of expected damage

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

Recorded about once every 2 years 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 Munford flood?

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

3paid claims since 2003

$73Kpaid to owners

0homes flooded more than once

20032026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Talladega County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit Munford

3 federal disasters brought FEMA money here

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

Brought FEMA money into MunfordDeclared for Talladega County only

2011

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

15 households applied for aid $14K aid approved

2004

Hurricane Ivan

8 households applied for aid $6K aid approved

2003

Severe Storms, Tornadoes, and Flooding

57 households applied for aid $48K aid approved

Talladega County has had 23 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. Munford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Munford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Munford. 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 Munford total about $2.0M 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.