Natural hazards · Point Clear

Point Clear, AL natural hazards

Most of the natural-hazard damage FEMA expects in Point Clear comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 118 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Point Clear?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Point Clear to be higher than in 94% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes71%Inland flooding18%Everything else11%

By hazard

What Point Clear faces

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

Hurricanes

71% 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

18% of expected damage

Above average · higher than 51% 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 Point Clear flood?

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

118paid claims since 1978

$6.4Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Katrina: 55 claims, $5.4M
Hurricane Georges: 16 claims, $241K
Hurricane Frederic: 10 claims, $54K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Point Clear 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.

Disasters that hit Point Clear

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Point Clear itself: aid to households, or repair grants to Point Clear.

Brought FEMA money into Point ClearDeclared for Baldwin County only

2020

Hurricane Sally

41 households applied for aid $97K aid approved

2014

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

27 households applied for aid $45K aid approved

2005

Hurricane Katrina

134 households applied for aid $225K aid approved

2005

Hurricane Dennis

11 households applied for aid $1K aid approved

2004

Hurricane Ivan

136 households applied for aid $164K aid approved

2003

Severe Storms, Tornadoes, and Flooding

17 households applied for aid $57K aid approved

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. Point Clear covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Point Clear’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Point Clear. 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 Point Clear total about $7.4M 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.