FEMA puts Florala’s expected hazard damage per building above that of 96% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Florala gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns. Most of that expected damage is hurricanes (66%), then river and rain flooding (29%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Florala faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Florala’s grade
Hurricanes are 66% of the building damage FEMA expects in Florala, and Florala’s rate of hurricanes damage is in the top 3% of U.S. census tracts. Next is river and rain flooding at 29% (higher than 74% of U.S. census tracts).
D− higher expected damage per building than 96% of U.S. towns (21,298).
All of Florala’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.9M a year in losses across Florala: $1.5M to buildings, the rest to people and crops.
Does Florala flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Florala. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Florala isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Covington County.4 federal disasters brought FEMA money to Florala
Disasters that paid out in Florala itself (aid to households or repair grants to the Town of Florala), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding$7K to the Town of Florala for repairs
- 2009Severe Storms, Flooding, Tornadoes and Straight-line45 households applied for aid$40K aid approved$226K to the Town of Florala for repairs
- 2005Hurricane Dennis$7K to the Town of Florala for repairs
- 2004Hurricane Ivan254 households applied for aid$303K aid approved$76K to the Town of Florala for repairs
Covington County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.
Old photos of Florala after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Florala archive →Florala and its neighbors
Florala has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Florala faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Florala
Is Florala at risk for natural disasters?
On FEMA’s National Risk Index, Florala has higher expected damage per building than 96% of U.S. towns: D− for hazard risk. Most of the expected damage is hurricanes (66%) and river and rain flooding (29%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Florala in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Covington County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Florala?
FEMA’s Community Rating System list shows no discount for Florala’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Florala?
By FEMA money that reached Florala, Hurricane Ivan (2004): 254 households applied for aid, $303K approved, and $76K to the Town of Florala for repairs.
Is Florala at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (66%), and Florala’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Florala.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Florala’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.