Natural hazards · Mobile

Mobile, TX natural hazards

Most of the natural-hazard damage FEMA expects in Mobile comes from tornadoes, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Mobile?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mobile to be higher than in 39% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes38%Inland flooding26%Heat waves12%Cold waves10%Hail7%Everything else6%

By hazard

What Mobile faces

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

Tornadoes

38% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

26% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Heat waves

12% of expected damage

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

Recorded about 18 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Hail

7% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Mobile flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rockwall County.

Disasters that hit Mobile

Federal disasters declared here

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

Brought FEMA money into MobileDeclared for Rockwall County only

Rockwall County has had 12 natural disasters declared since 1953, most often severe storms and fires.

Around Mobile

Mobile and the towns around it

Very lowLowModerateHighVery high

Fatemostly tornadoesModerate

Mobile Citymostly tornadoesLow

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. Mobile 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 Mobile’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mobile. 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.