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

Low48

Moderate15

Elevated4

High0

Dominant hazards

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

Lightning — 27 counties
Tornado — 22 counties
Strong wind — 15 counties
Hurricane — 5 counties

Highest-risk counties

County	FEMA composite	Score
Jefferson County	Relatively high	98
Mobile County	Relatively high	98
Baldwin County	Relatively high	97
Madison County	Relatively high	95
Montgomery County	Relatively moderate	92
Tuscaloosa County	Relatively moderate	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