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Alabama natural disaster risk

Ratings for all 67 counties, the federal disaster record and flood insurance across the state.

73major disasters since 1953 (11th most)

$2.5Bexpected losses a year

1%of homes with flood insurance

Photo: Mx. Granger, CC0

Alabama has had 73 major federal disaster declarations for natural events since 1953. FEMA expects about $2.5 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 57 of its 67 counties, followed by hurricane in 9. None is rated Very High overall. About 1% of homes carry federal flood insurance, and the program has paid $1.2 billion on 44,088 claims here since 1978.

Very High0counties

High4counties

Moderate15counties

Low31counties

Highest overall risk

1Mobile CountyHigh

2Jefferson CountyHigh

3Baldwin CountyHigh

4Madison CountyHigh

5Montgomery CountyModerate

Lowest risk (50,000+ people)

1Russell CountyLow

2Autauga CountyLow

3Blount CountyLow

4St. Clair CountyLow

5Elmore CountyLow

Top hazards

Inland floodingtop risk in 57 counties

Hurricanetop risk in 9 counties

Tornadotop risk in 1 counties

Recent federal declarations

All states ›

Oct 9, 2026Hurricane IsaiasEmergency

Largest counties

Jefferson County

673,766 people

High Inland flooding

Mobile County

414,514 people

High Hurricane

Madison County

387,825 people

High Inland flooding

Baldwin County

231,365 people

High Hurricane

Montgomery County

228,847 people

Moderate Inland flooding

Tuscaloosa County

226,701 people

Moderate Inland flooding

Shelby County

222,782 people

Moderate Inland flooding

Lee County

173,871 people

Low Inland flooding

Morgan County

123,349 people

Moderate Inland flooding

Calhoun County

116,250 people

Moderate Inland flooding

Houston County

107,125 people

Moderate Inland flooding

Etowah County

103,320 people

Moderate Inland flooding

Cities in Alabama

All 24 cities ›

Huntsville222,791 Mobile203,416 Birmingham198,173 Montgomery197,494 Tuscaloosa111,038 Hoover92,642 Auburn80,594 Dothan71,514 Madison60,106 Decatur57,361 Florence41,701 Prattville39,482 Vestavia Hills38,616 Phenix City38,499 Alabaster33,917

All 67 counties

Name	People	Overall risk	Top hazard	Declarations	Homes insured
Autauga County	58,764	Low	Inland flooding	22	0.9%
Baldwin County	231,365	High	Hurricane	37	9.2%
Barbour County	25,160	Low	Inland flooding	26	0.3%
Bibb County	22,239	Very Low	Inland flooding	18	0.2%
Blount County	58,992	Low	Inland flooding	23	0.1%
Bullock County	10,326	Very Low	Inland flooding	22	0.1%
Butler County	19,015	Low	Hurricane	26	0%
Calhoun County	116,250	Moderate	Inland flooding	21	0.6%
Chambers County	34,738	Low	Inland flooding	21	0.2%
Cherokee County	24,933	Low	Inland flooding	23	1.3%
Chilton County	44,999	Low	Inland flooding	22	0.1%
Choctaw County	12,632	Low	Inland flooding	26	0.4%
Clarke County	23,038	Low	Hurricane	26	0.3%
Clay County	14,212	Very Low	Inland flooding	22	0%
Cleburne County	15,040	Very Low	Inland flooding	20	0.1%
Coffee County	53,391	Moderate	Inland flooding	28	0.6%
Colbert County	57,133	Low	Inland flooding	22	0.3%
Conecuh County	11,582	Very Low	Hurricane	25	0.1%
Coosa County	10,320	Very Low	Inland flooding	21	0.3%
Covington County	37,519	Moderate	Hurricane	31	0.5%
Crenshaw County	13,179	Very Low	Inland flooding	27	0%
Cullman County	87,660	Moderate	Inland flooding	30	0.2%
Dale County	49,224	Low	Inland flooding	31	0.3%
Dallas County	38,341	Low	Inland flooding	25	1.1%
DeKalb County	71,379	Low	Inland flooding	32	0.2%
Elmore County	87,755	Low	Inland flooding	22	1.1%
Escambia County	36,706	Moderate	Hurricane	26	0.5%
Etowah County	103,320	Moderate	Inland flooding	27	0.5%
Fayette County	16,298	Very Low	Inland flooding	19	0.2%
Franklin County	31,999	Low	Tornado	20	0.1%
Geneva County	26,621	Low	Inland flooding	31	0.4%
Greene County	7,714	Very Low	Inland flooding	20	1.8%
Hale County	14,753	Very Low	Inland flooding	21	1%
Henry County	17,074	Very Low	Inland flooding	26	0.3%
Houston County	107,125	Moderate	Inland flooding	26	0.7%
Jackson County	52,501	Low	Inland flooding	26	0.5%
Jefferson County	673,766	High	Inland flooding	37	0.5%
Lamar County	13,961	Very Low	Inland flooding	24	0.2%
Lauderdale County	93,509	Moderate	Inland flooding	18	0.3%
Lawrence County	33,012	Low	Inland flooding	20	0.4%
Lee County	173,871	Low	Inland flooding	20	0.5%
Limestone County	101,053	Low	Inland flooding	20	0.6%
Lowndes County	10,307	Very Low	Inland flooding	18	1.6%
Macon County	19,491	Very Low	Inland flooding	24	0.2%
Madison County	387,825	High	Inland flooding	19	2.2%
Marengo County	19,291	Low	Inland flooding	18	0.8%
Marion County	29,281	Low	Inland flooding	24	0.2%
Marshall County	97,552	Moderate	Inland flooding	27	0.2%
Mobile County	414,514	High	Hurricane	39	3.6%
Monroe County	19,743	Low	Hurricane	24	0.1%
Montgomery County	228,847	Moderate	Inland flooding	22	0.9%
Morgan County	123,349	Moderate	Inland flooding	22	0.9%
Perry County	8,480	Very Low	Inland flooding	22	0.1%
Pickens County	19,095	Low	Inland flooding	17	0.9%
Pike County	32,965	Low	Inland flooding	21	0.1%
Randolph County	21,932	Very Low	Inland flooding	23	0.1%
Russell County	59,131	Low	Inland flooding	22	0.3%
Shelby County	222,782	Moderate	Inland flooding	24	0.7%
St. Clair County	90,899	Low	Inland flooding	28	0.9%
Sumter County	12,322	Low	Inland flooding	18	0.6%
Talladega County	81,988	Moderate	Inland flooding	23	0.9%
Tallapoosa County	41,279	Low	Inland flooding	18	0.4%
Tuscaloosa County	226,701	Moderate	Inland flooding	26	0.8%
Walker County	65,276	Moderate	Inland flooding	23	0.2%
Washington County	15,333	Low	Hurricane	25	0.1%
Wilcox County	10,548	Very Low	Inland flooding	20	0.8%
Winston County	23,478	Low	Inland flooding	23	0.2%

Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.