–Not graded

Natural hazards in Hobson City · FEMA

Storms, floods and disasters in Hobson City

Hobson City isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Hobson City yet. Flood insurance has paid 1 claim here since 2003.

Flood claims

paid since 2003 · $3K

Disasters paid out here

of 20 declared for Calhoun County

By hazard

What Hobson City faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

75%of expected building damage

Above average · higher than 68% of U.S. census tracts

Recorded about once a year in the area

Tornadoes

18%of expected building damage

Well above average · in the top 2% of U.S. census tracts

Smaller shares here

Earthquakes Hurricanes Hail Strong wind Ice storms Lightning Wildfire Winter storms Cold waves Heat waves Landslides

FEMA models no building damage here

Coastal floodingAvalanchesTsunamisVolcanic activity

People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 33% of Hobson City’s expected losses. Tornadoes do little damage to buildings (18.1%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Hobson City flood? Rarely: 1 flood claim since 2003

Every paid claim on a federal flood insurance policy in Hobson City, from FEMA’s records.

Paid flood claims, by year

2003

20032026

paid claims since 2003

$3K

paid to owners

homes flooded more than once

$3K

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

Hobson City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Calhoun County.

Disasters

The storms Hobson City remembers

None of the 20 disasters declared for Calhoun County shows FEMA aid or repair money reaching Hobson City itself in FEMA’s records, so these are its biggest flood-claim years.

20031 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Calhoun County

Disasters declared, by decade

Paid out in Hobson CityCalhoun County only

Calhoun County has had 20 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.

Were you here?

Old photos of Hobson City after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hobson City archive →

Next door

Hobson City and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

OxfordAnnistonHobson City

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Anniston	B⁻more damage than 53%	river and rain flooding	19
Oxford	Cmore damage than 68%	river and rain flooding	17

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.

Be ready

Get ready for what Hobson City faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises

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.

Questions about natural hazards in Hobson City

Does Hobson City flood?

Flood insurance has paid 1 claim in Hobson City since 2003, $3K in all.

Is Hobson City 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 Calhoun County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Hobson City?

FEMA’s Community Rating System list shows no discount for Hobson City’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Hobson City.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hobson City’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.

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