FEMA expects about as much hazard damage per building in Huguley as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Huguley gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #43 of 187 in Alabama. Most of that expected damage is river and rain flooding (78%), then tornadoes (11%). 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 Huguley 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
Tornadoes
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 Huguley’s grade
River and rain flooding is 78% of the building damage FEMA expects in Huguley, and Huguley’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Next is tornadoes at 11% (higher than 84% of U.S. census tracts).
B− #43 of 187 in Alabama; higher expected damage per building than 53% of U.S. towns (21,298).
Huguley’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Alabama town has higher expected damage than 66% of U.S. towns; within the state, Huguley has less expected damage per building than 77% of Alabama towns.
In dollars, FEMA expects about $687K a year in losses across Huguley: $480K to buildings, the rest to people and crops.
Does Huguley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Huguley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Huguley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chambers County.The storms Huguley remembers
None of the 20 disasters declared for Chambers County shows FEMA aid or repair money reaching Huguley itself in FEMA’s records, so these are its biggest flood-claim years.
Chambers County has had 20 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Huguley and its neighbors
Huguley is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lanett | B−more damage than 53% | river and rain flooding | 9 |
| Huguley | B−more damage than 53% | river and rain flooding | 0 |
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 Huguley faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Huguley
Is Huguley at risk for natural disasters?
On FEMA’s National Risk Index, Huguley has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #43 of 187 in Alabama. Most of the expected damage is river and rain flooding (78%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Huguley 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 Chambers County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Huguley?
FEMA’s Community Rating System list shows no discount for Huguley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Huguley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Huguley’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Huguley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Huguley’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.