Natural hazards · Alford

Alford, FL natural hazards

Most of the natural-hazard damage FEMA expects in Alford comes from hurricanes, and overall the risk is very high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Alford?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alford to be higher than in 81% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes46%Inland flooding29%Cold waves8%Tornadoes5%Everything else13%

By hazard

What Alford faces

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

Hurricanes

46% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

29% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 8 years in the area

Lower here

HailIce stormsWinter weatherHeat 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 Alford flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Alford 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.

Disasters that hit Alford

6 federal disasters brought FEMA money here

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

Brought FEMA money into AlfordDeclared for Jackson County only

2018

Hurricane Michael

682 households applied for aid $816K aid approved $1.0M to the Town of Alford for repairs

2014

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

13 households applied for aid $25K aid approved

2009

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

9 households applied for aid $6K aid approved $3K to the Town of Alford for repairs

2005

Hurricane Dennis

$4K to the Town of Alford for repairs

2004

Hurricane Ivan

6 households applied for aid $21K aid approved $15K to the Town of Alford for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

$2K to the Town of Alford for repairs

Jackson County has had 26 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. Alford 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 Alford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Alford. 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.