Daphne, Alabama: natural disaster risk
How exposed Daphne is to floods, storms and other hazards, from FEMA and NOAA records for Baldwin County.
Daphne is a city of 29,453 people in Baldwin County, Alabama. FEMA's National Risk Index rates Baldwin County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are hurricane, inland flooding and tornado, with about $237 million in expected losses a year across the county. The weather service has logged 887 storm reports in the county since 1950, including 116 tornadoes and 133 floods. NOAA hurricane records show 26 hurricanes and 35 tropical storms passing within 65 miles of the county's center, 10 of them major. About 9.2% of homes in the county carry federal flood insurance.
Risk figures are for Baldwin County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Daphne
Full Baldwin County report ›- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Hurricane | $159M | |
| Inland flooding | $48M | |
| Tornado | $9M | |
| Lightning | $4M | |
| Coastal flooding | $4M | |
| Cold wave | $4M | |
| Heat wave | $4M | |
| Strong wind | $2M | |
| Wildfire | $2M | |
| Earthquake | $916K | |
| Drought | $664K | |
| Hail | $414K |
Homes in Daphne
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Baldwin County
Other cities in Alabama
All ›Common questions about Daphne
Is Daphne safe from natural disasters?
Daphne is in Baldwin County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are hurricane, inland flooding, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Daphne?
By expected yearly losses in Baldwin County, the top hazards are hurricane (Very High), inland flooding (Moderate), tornado (High). Baldwin County has been part of 37 federal disaster or emergency declarations for natural events.
Does Daphne get tornadoes?
Yes. NOAA records list 116 tornadoes in Baldwin County since 1950; the strongest was an F3 tornado on November 3, 1968. FEMA rates tornado risk in the county high.
Do I need flood insurance in Daphne?
Standard home insurance does not cover floods. In Baldwin County, about 9.2% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.