Natural hazards · Perdido Beach

Perdido Beach, AL natural hazards

Most of the natural-hazard damage FEMA expects in Perdido Beach comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 21 claims here since 2004. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Perdido Beach?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Perdido Beach to be higher than in 96% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes64%Inland flooding22%Everything else14%

By hazard

What Perdido Beach faces

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

Hurricanes

64% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

22% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Perdido Beach flood?

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

21paid claims since 2004

$1.1Mpaid to owners

1homes flooded more than once

20042026

Biggest named events

Hurricane Sally: 17 claims, $928K
Hurricane Ivan: 3 claims, $16K
Mid-spring storms: 1 claim, $134K

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. Perdido Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Baldwin County.

What’s been done with FEMA grants

1buildings retrofitted against wind

Disasters that hit Perdido Beach

3 federal disasters brought FEMA money here

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

Brought FEMA money into Perdido BeachDeclared for Baldwin County only

2020

Hurricane Sally

57 households applied for aid $74K aid approved $934K to the Town of Perdido Beach for repairs

2017

Hurricane Nate

$37K to the Town of Perdido Beach for repairs

2014

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

21 households applied for aid $28K aid approved $168K to the Town of Perdido Beach for repairs

Baldwin County has had 31 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. Perdido Beach 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 Perdido Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Perdido Beach. 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.