Natural hazards · St. Florian

St. Florian, AL natural hazards

Most of the natural-hazard damage FEMA expects in St. Florian comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is St. Florian?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Florian to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves13%Tornadoes11%Earthquakes7%Everything else8%

By hazard

What St. Florian faces

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

Inland flooding

61% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 20 years in the area

Earthquakes

7% of expected damage

Well above average · higher than 79% 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 St. Florian flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lauderdale County.

Disasters that hit St. Florian

Federal disasters declared here

None of the disasters declared for Lauderdale County shows FEMA aid or repair money reaching St. Florian itself in FEMA’s records.

Brought FEMA money into St. FlorianDeclared for Lauderdale County only

Lauderdale County has had 17 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. St. Florian 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 St. Florian’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Florian. 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.