Natural hazards · Scottsboro

Scottsboro, AL natural hazards

Most of the natural-hazard damage FEMA expects in Scottsboro comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 29 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Scottsboro?

63
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scottsboro to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes22%Earthquakes14%Cold waves9%Everything else10%
By hazard

What Scottsboro faces

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

Inland flooding

46% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

22% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 97 years in the area

Earthquakes

14% of expected damage
Well above average · higher than 80% of U.S. places

Cold waves

9% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 2 times a year in the area

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 Scottsboro flood?

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

29paid claims since 1979
$324Kpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Early winter storms: 3 claims, $37K

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. Scottsboro isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jackson County.

What’s been done with FEMA grants

26flood-prone properties bought out and cleared
17storm safe rooms built
Disasters that hit Scottsboro

5 federal disasters brought FEMA money here

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

Brought FEMA money into ScottsboroDeclared for Jackson County only
2015

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

$3K to the City of Scottsboro for repairs
2011

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

464 households applied for aid $128K aid approved
2009

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

$779K to the City of Scottsboro for repairs
2004

Hurricane Ivan

9 households applied for aid $2K aid approved $3K to the City of Scottsboro for repairs
2003

Severe Storms, Tornadoes, and Flooding

67 households applied for aid $164K aid approved $175K to the City of Scottsboro for repairs
Jackson County has had 26 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. Scottsboro covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Scottsboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Scottsboro. 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 Scottsboro total about $5.8M 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.

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