Natural hazards · Wetumpka

Wetumpka, AL natural hazards

Most of the natural-hazard damage FEMA expects in Wetumpka comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

How exposed is Wetumpka?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wetumpka to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes9%Everything else16%
By hazard

What Wetumpka faces

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

Inland flooding

75% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 82% of U.S. places

Lower here

HurricanesHailIce 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 Wetumpka flood?

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

4paid claims since 1979
$66Kpaid to owners
1homes flooded more than once
19792026

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

What’s been done with FEMA grants

109storm safe rooms built
Disasters that hit Wetumpka

7 federal disasters brought FEMA money here

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

Brought FEMA money into WetumpkaDeclared for Elmore County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

89 households applied for aid $257K aid approved
2020

Hurricane Zeta

$7K to the City of Wetumpka for repairs
2015

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

$117K to the City of Wetumpka for repairs
2011

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

270 households applied for aid $643K aid approved
2009

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

188 households applied for aid $492K aid approved $8K to the City of Wetumpka for repairs
2009

Severe Storms, Flooding, Tornadoes & Straight-Line

$360K to the City of Wetumpka for repairs
2004

Hurricane Ivan

510 households applied for aid $607K aid approved $66K to the City of Wetumpka for repairs
Elmore County has had 21 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Wetumpka

Wetumpka and the towns around it

Blue Ridge: High, mostly inland floodingRedland: Moderate, mostly inland floodingEmerald Mountain: Moderate, mostly inland floodingWetumpka: High, mostly inland flooding WetumpkaBlue RidgeRedland
Very lowLowModerateHighVery high
Wetumpkamostly inland floodingHigh
Blue Ridgemostly inland floodingHigh
Redlandmostly inland floodingModerate
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. Wetumpka covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Wetumpka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wetumpka. 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 Wetumpka total about $1.5M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01