Natural hazards · Somerville

Somerville, AL natural hazards

Most of the natural-hazard damage FEMA expects in Somerville comes from tornadoes, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Somerville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerville to be higher than in 66% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes43%Inland flooding32%Cold waves8%Earthquakes6%Everything else12%

By hazard

What Somerville faces

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

Tornadoes

43% of expected damage

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

Recorded about once every 13 years in the area

Inland flooding

32% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 77% of U.S. places

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 Somerville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Somerville

4 federal disasters brought FEMA money here

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

Brought FEMA money into SomervilleDeclared for Morgan County only

2023

Severe Storms, Straight-Line Winds, and Tornadoes

2 households applied for aid

2011

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

132 households applied for aid $28K aid approved

2004

Hurricane Ivan

2 households applied for aid

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $9K aid approved

Morgan County has had 21 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. Somerville 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 Somerville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Somerville. 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.