Photo: Rivers A. Langley; SaveRivers · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Pike Road as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Pike Road gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #46 of 187 in Alabama. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 1 claim here since 2021.
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 Pike Road 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
Hurricanes
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 Pike Road’s grade
River and rain flooding is 79% of the building damage FEMA expects in Pike Road, and Pike Road’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Next is tornadoes at 8% (higher than 74% of U.S. census tracts).
B− #46 of 187 in Alabama; higher expected damage per building than 54% of U.S. towns (21,298).
Pike Road’s residents live in 7 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, Pike Road has less expected damage per building than 76% of Alabama towns.
In dollars, FEMA expects about $3.5M a year in losses across Pike Road: $2.7M to buildings, the rest to people and crops.
Does Pike Road flood? Rarely: 1 flood claim since 2021
Every paid claim on a federal flood insurance policy in Pike Road, from FEMA’s records: 0.3 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Pike Road isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.2 federal disasters brought FEMA money to Pike Road
Disasters that paid out in Pike Road itself (aid to households or repair grants to the City of Pike Road), newest first, with that year’s flood claims.
- 2009Severe Storms, Tornadoes, Flooding, and Straight-line Winds20 households applied for aid$40K aid approved
- 2004Hurricane Ivan147 households applied for aid$157K aid approved
Montgomery County has had 21 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.
Old photos of Pike Road after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pike Road archive →Pike Road and its neighbors
Pike Road has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pike Road | B−more damage than 54% | river and rain flooding | 1 |
| Montgomery | C+more damage than 58% | river and rain flooding | 228 |
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 Pike Road 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.
- 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.
- 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 Pike Road
Is Pike Road at risk for natural disasters?
On FEMA’s National Risk Index, Pike Road has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #46 of 187 in Alabama. Most of the expected damage is river and rain flooding (79%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pike Road flood?
Flood insurance has paid 1 claim in Pike Road since 2021, $149K in all, or 0.3 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Pike Road 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 Montgomery County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Pike Road?
FEMA’s Community Rating System list shows no discount for Pike Road’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 Pike Road?
By FEMA money that reached Pike Road, Hurricane Ivan (2004): 147 households applied for aid, $157K approved.
Is Pike Road at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Pike Road’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pike Road.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pike Road’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.