Natural hazards · River Falls

River Falls, AL natural hazards

Most of the natural-hazard damage FEMA expects in River Falls comes from hurricanes, and overall the risk is very 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 River Falls?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in River Falls to be higher than in 92% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes47%Inland flooding30%Tornadoes10%Everything else13%

By hazard

What River Falls faces

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

Hurricanes

47% of expected damage

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

Recorded about once every 6 years in the area

Inland flooding

30% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

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

Recorded about once every 6 years in the area

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 River Falls flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. River Falls 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.

Disasters that hit River Falls

3 federal disasters brought FEMA money here

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

Brought FEMA money into River FallsDeclared for Covington County only

2009

Severe Storms and Flooding

$1K to the Town of River Falls for repairs

2009

Severe Storms, Flooding, Tornadoes & Straight-Line

2 households applied for aid $3K aid approved

2004

Hurricane Ivan

32 households applied for aid $30K aid approved

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. River Falls 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 River Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of River Falls. 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.