Natural hazards · Silverhill

Silverhill, AL natural hazards

Most of the natural-hazard damage FEMA expects in Silverhill comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 13 claims here since 1997. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Silverhill?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Silverhill to be higher than in 93% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes73%Inland flooding16%Everything else11%

By hazard

What Silverhill faces

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

Hurricanes

73% 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

16% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce 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 Silverhill flood?

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

13paid claims since 1997

$674Kpaid to owners

2homes flooded more than once

19972026

Biggest named events

Hurricane Danny: 3 claims, $161K
Mid-spring storms: 2 claims, $88K
Hurricane Sally: 2 claims, $131K

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. Silverhill 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 Silverhill

7 federal disasters brought FEMA money here

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

Brought FEMA money into SilverhillDeclared for Baldwin County only

2020

Hurricane Sally

622 households applied for aid $393K aid approved $607K to the Town of Silverhill for repairs

2014

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

71 households applied for aid $218K aid approved

2008

Hurricane Gustav

$3K to the Town of Silverhill for repairs

2005

Hurricane Katrina

131 households applied for aid $80K aid approved

2005

Hurricane Dennis

28 households applied for aid $7K aid approved

2004

Hurricane Ivan

463 households applied for aid $320K aid approved $537K to the Town of Silverhill for repairs

2003

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $14K 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. Silverhill 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 Silverhill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Silverhill. 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.