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Natural hazards · Phil Campbell

Phil Campbell, AL natural hazards

Most of the natural-hazard damage FEMA expects in Phil Campbell comes from tornadoes, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Phil Campbell?

27
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phil Campbell to be higher than in 27% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes42%Inland flooding20%Cold waves18%Earthquakes11%Everything else11%
By hazard

What Phil Campbell faces

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

Tornadoes

42% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 62 years in the area

Inland flooding

20% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about once a year in the area

Cold waves

18% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once a year in the area

Earthquakes

11% of expected damage
Well above average · higher than 78% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Phil Campbell flood?

FEMA's records show no paid flood insurance claims in Phil Campbell.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Phil Campbell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.

What’s been done with FEMA grants

64storm safe rooms built
Disasters that hit Phil Campbell

3 federal disasters brought FEMA money here

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

Brought FEMA money into Phil CampbellDeclared for Franklin County only
2015

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

$10K to the Town of Phil Campbell for repairs
2011

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

698 households applied for aid $2.4M aid approved $3.5M to the Town of Phil Campbell for repairs
2004

Hurricane Ivan

29 households applied for aid $42K aid approved $10K to the Town of Phil Campbell for repairs
Franklin County has had 20 natural disasters declared since 1953, most often severe storms and hurricanes.
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. Phil Campbell 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 Phil Campbell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Phil Campbell. 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.

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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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