Natural hazards · Stevenson

Stevenson, AL natural hazards

Most of the natural-hazard damage FEMA expects in Stevenson comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1982. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stevenson?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stevenson to be higher than in 68% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes21%Cold waves10%Earthquakes8%Everything else11%

By hazard

What Stevenson faces

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

Inland flooding

51% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 30 years in the area

Cold waves

10% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 78% 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 Stevenson flood?

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

9paid claims since 1982

$163Kpaid to owners

2homes flooded more than once

19822026

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. Stevenson 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

6storm safe rooms built

Disasters that hit Stevenson

3 federal disasters brought FEMA money here

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

Brought FEMA money into StevensonDeclared for Jackson County only

2011

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

90 households applied for aid $63K aid approved

2004

Hurricane Ivan

2 households applied for aid

2003

Severe Storms, Tornadoes, and Flooding

34 households applied for aid $154K aid approved

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. Stevenson covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Stevenson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Stevenson. 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 Stevenson total about $2.0M 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.