Alabama natural disaster risk
Alabama ranks #29 of 51 from the lowest population-weighted county-score mean in our state comparison. Its highest hazard-score means are tornado, lightning, heat wave.
RelocateMath computes these state means by weighting FEMA county scores by population. A mean of county percentiles is not a national state percentile or an official FEMA state rating.
The vertical line marks county-score scale midpoint (50).
Find your county's risk in Alabama
All 67 county rows with a FEMA score are available below, initially ordered by population.
| County | Population | Risk score | FEMA rating |
|---|---|---|---|
| Jefferson County | 667,755 | 97.6 | Relatively High |
| Mobile County | 412,590 | 98.0 | Relatively High |
| Madison County | 405,718 | 94.6 | Relatively High |
| Baldwin County | 246,989 | 96.7 | Relatively High |
| Tuscaloosa County | 237,552 | 90.8 | Relatively Moderate |
| Shelby County | 230,211 | 90.3 | Relatively Moderate |
| Montgomery County | 226,718 | 91.8 | Relatively Moderate |
| Lee County | 181,134 | 79.7 | Relatively Low |
| Morgan County | 124,471 | 88.8 | Relatively Moderate |
| Calhoun County | 116,090 | 88.5 | Relatively Moderate |
| Limestone County | 111,233 | 80.0 | Relatively Low |
| Houston County | 108,140 | 87.8 | Relatively Moderate |
| Etowah County | 103,105 | 87.3 | Relatively Moderate |
| Marshall County | 99,748 | 87.3 | Relatively Moderate |
| Lauderdale County | 95,830 | 85.5 | Relatively Moderate |
| St. Clair County | 94,166 | 72.1 | Relatively Low |
| Cullman County | 90,566 | 81.9 | Relatively Moderate |
| Elmore County | 89,526 | 72.2 | Relatively Low |
| Talladega County | 81,021 | 84.7 | Relatively Moderate |
| DeKalb County | 72,269 | 80.4 | Relatively Low |
| Walker County | 64,841 | 82.6 | Relatively Moderate |
| Autauga County | 59,947 | 57.6 | Relatively Low |
| Blount County | 59,518 | 68.5 | Relatively Low |
| Russell County | 58,811 | 54.7 | Relatively Low |
| Colbert County | 58,022 | 80.7 | Relatively Low |
| Coffee County | 54,920 | 83.4 | Relatively Moderate |
| Jackson County | 53,053 | 79.0 | Relatively Low |
| Dale County | 49,599 | 67.7 | Relatively Low |
| Chilton County | 45,992 | 54.7 | Relatively Low |
| Tallapoosa County | 40,938 | 67.5 | Relatively Low |
| Covington County | 37,628 | 82.4 | Relatively Moderate |
| Dallas County | 36,858 | 70.8 | Relatively Low |
| Escambia County | 36,629 | 85.0 | Relatively Moderate |
| Chambers County | 34,192 | 47.2 | Relatively Low |
| Lawrence County | 33,276 | 69.3 | Relatively Low |
| Pike County | 32,987 | 44.0 | Relatively Low |
| Franklin County | 31,966 | 67.7 | Relatively Low |
| Marion County | 29,184 | 69.1 | Relatively Low |
| Geneva County | 26,887 | 53.4 | Relatively Low |
| Cherokee County | 25,443 | 63.3 | Relatively Low |
| Barbour County | 24,643 | 48.1 | Relatively Low |
| Winston County | 23,682 | 59.2 | Relatively Low |
| Clarke County | 22,543 | 53.4 | Relatively Low |
| Randolph County | 22,510 | 30.6 | Very Low |
| Bibb County | 22,130 | 39.1 | Very Low |
| Monroe County | 19,388 | 48.7 | Relatively Low |
| Marengo County | 18,851 | 52.2 | Relatively Low |
| Pickens County | 18,721 | 44.7 | Relatively Low |
| Macon County | 18,691 | 23.9 | Very Low |
| Butler County | 18,630 | 45.2 | Relatively Low |
| Henry County | 17,647 | 42.0 | Very Low |
| Fayette County | 16,053 | 38.2 | Very Low |
| Cleburne County | 15,426 | 27.5 | Very Low |
| Washington County | 15,143 | 45.6 | Relatively Low |
| Hale County | 14,829 | 39.1 | Very Low |
| Clay County | 14,192 | 26.7 | Very Low |
| Lamar County | 13,693 | 31.4 | Very Low |
| Crenshaw County | 13,122 | 34.4 | Very Low |
| Choctaw County | 12,380 | 70.6 | Relatively Low |
| Sumter County | 11,878 | 53.0 | Relatively Low |
| Conecuh County | 11,275 | 31.1 | Very Low |
| Coosa County | 10,300 | 14.6 | Very Low |
| Wilcox County | 10,172 | 36.7 | Very Low |
| Bullock County | 10,058 | 25.3 | Very Low |
| Lowndes County | 9,833 | 29.1 | Very Low |
| Perry County | 8,031 | 18.8 | Very Low |
| Greene County | 7,424 | 29.3 | Very Low |
The county rows show FEMA's own county percentile scores and rating categories; the state figures above are our weighted means. County data cannot establish a property's safety. Expected loss is modeled annual loss per resident, not a premium quote. The insurance figure is what owners with a mortgage reported paying in 2024 (Census American Community Survey), not a current quote. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.
Lowest FEMA county risk scores in Alabama
- Randolph County 30.6
- Bibb County 39.1
- Pike County 44.0
- Chambers County 47.2
- Barbour County 48.1
- Geneva County 53.4
- Clarke County 53.4
- Russell County 54.7
Cities in Alabama
- Birmingham, AL county-score mean 89.2
- Huntsville, AL county-score mean 91.5
- Columbus, GA county-score mean 63.7
- Daphne, AL county-score mean 96.7
Frequently asked questions
Is Alabama safe from natural disasters?
Alabama's population-weighted county-score mean is 82.7 out of 100 (very high county-score mean), #29 of 51 from the lowest mean in our state comparison. A state average cannot show whether an individual home is safe. About 34% of residents live in counties FEMA rates relatively high or very high.
What natural disasters happen in Alabama?
The highest population-weighted county hazard-score means in Alabama are tornado, lightning, heat wave (means 90, 87, 84 on the 0–100 county-score scale). These are not national state percentiles.
Which counties have the lowest modeled risk scores in Alabama?
Among counties with at least 20,000 people, the lowest FEMA county risk scores are in Randolph County, Bibb County, Pike County. Conditions vary within each county; check an individual address separately.