STATE RISK ROLL-UP

Alabama

Across 67 counties, FEMA rates 4 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Bajo48

Moderado15

Elevado4

Alto0

Dominant hazards

The hazards most often rated elevated or higher across Alabama's counties:

Rayo — 27 counties
Tornado — 22 counties
Vientos fuertes — 15 counties
Huracán — 5 counties

Highest-risk counties

County	FEMA composite	Score
Jefferson County	Relativamente alto	98
Mobile County	Relativamente alto	98
Baldwin County	Relativamente alto	97
Madison County	Relativamente alto	95
Montgomery County	Relativamente moderado	92
Tuscaloosa County	Relativamente moderado	91

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-10