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Natural hazards · Alabama

Alabama, NY natural hazards

Most of the natural-hazard damage FEMA expects in Alabama comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Alabama?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alabama to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding69%Drought7%Lightning5%Everything else19%
By hazard

What Alabama faces

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

Inland flooding

69% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once a year in the area

Drought

7% of expected damage
Recorded about 2 times a year in the area

Lightning

5% of expected damage
Below average · higher than 26% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Alabama flood?

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

of all homes
are insured
No community discount. Alabama isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Genesee County.
Disasters that hit Alabama

3 federal disasters brought FEMA money here

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

Brought FEMA money into AlabamaDeclared for Genesee County only
2006

Severe Storms and Flooding

3 households applied for aid $24K to the Town of Alabama for repairs
2001

Snow

$15K to the Town of Alabama for repairs
1999

Snow

$4K to the Town of Alabama for repairs
Genesee County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.
Around Alabama

Alabama and the towns around it

Pembroke: Low, mostly inland floodingShelby: Very low, mostly inland floodingOakfield: Very low, mostly inland floodingRoyalton: Very low, mostly inland floodingNewstead: Low, mostly inland floodingBarre: Very low, mostly inland floodingBatavia: Low, mostly inland floodingDarien: Low, mostly inland floodingRidgeway: Very low, mostly inland floodingElba: Very low, mostly inland floodingClarence: Low, mostly inland floodingLockport: Moderate, mostly inland floodingHartland: Very low, mostly inland floodingAlden: Very low, mostly inland floodingAlbion: Very low, mostly inland floodingClarendon: Very low, mostly inland floodingAlabama: Moderate, mostly inland flooding AlabamaPembrokeShelbyOakfieldRoyaltonNewsteadBarre
Very lowLowModerateHighVery high
Alabamamostly inland floodingModerate
Newsteadmostly inland floodingLow
Pembrokemostly inland floodingLow
Royaltonmostly inland floodingVery low
Shelbymostly inland floodingVery low
Barremostly inland floodingVery low
Oakfieldmostly inland floodingVery low
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. Alabama covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Alabama’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Alabama. 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 Alabama total about $998K 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/15 · 2025-01-01
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