Natural hazards · Opp

Opp, AL natural hazards

Most of the natural-hazard damage FEMA expects in Opp comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1998. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Opp?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Opp to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes56%Inland flooding22%Tornadoes11%Everything else11%

By hazard

What Opp faces

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

Hurricanes

56% of expected damage

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

Recorded about once every 6 years in the area

Inland flooding

22% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

11% of expected damage

Well above average · higher than 86% of U.S. places

Lower here

HailIce 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 Opp flood?

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

2paid claims since 1998

$41Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Hurricane Georges: 2 claims, $41K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Covington County.

What’s been done with FEMA grants

15storm safe rooms built

Disasters that hit Opp

6 federal disasters brought FEMA money here

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

Brought FEMA money into OppDeclared for Covington County only

2020

Severe Storms, Straight-Line Winds, and Tornadoes

$38K to the City of Opp for repairs

2014

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

$2K to the City of Opp for repairs

2009

Severe Storms and Flooding

$34K to the City of Opp for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

46 households applied for aid $43K aid approved $105K to the City of Opp for repairs

2005

Hurricane Dennis

$68K to the City of Opp for repairs

2004

Hurricane Ivan

381 households applied for aid $453K aid approved $181K to the City of Opp for repairs

Covington County has had 30 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. Opp covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Opp’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Opp. 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 Opp total about $4.1M 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.