Natural hazards · Ragland

Ragland, AL natural hazards

Most of the natural-hazard damage FEMA expects in Ragland comes from inland flooding, and overall the risk is high 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 Ragland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ragland to be higher than in 76% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes27%Cold waves5%Everything else14%

By hazard

What Ragland faces

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

Inland flooding

54% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Tornadoes

27% of expected damage

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

Recorded about once every 16 years in the area

Cold waves

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Ragland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Clair County.

What’s been done with FEMA grants

23storm safe rooms built

Disasters that hit Ragland

3 federal disasters brought FEMA money here

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

Brought FEMA money into RaglandDeclared for St. Clair County only

2011

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

208 households applied for aid $204K aid approved

2004

Hurricane Ivan

2 households applied for aid $1K aid approved

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $3K aid approved

St. Clair County has had 28 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. Ragland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ragland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ragland. 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 Ragland total about $986K 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.