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Pine Apple Alabama 003Photo: Altairisfar · CC BY-SA 3.0
–Not graded
Natural hazards in Pine Apple · FEMA

Storms, floods and disasters in Pine Apple

Pine Apple isn’t graded for hazard risk: Pine Apple has 125 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 19 declared for Wilcox County
By hazard

What Pine Apple 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
Well above average · higher than 87% of U.S. census tracts
Recorded about once every 3 years in the area

Hurricanes

14%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about once every 8 years in the area

Tornadoes

7%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 4 years in the area
Smaller shares here
 Earthquakes Strong wind Hail Wildfire Ice storms Cold waves Landslides top 4% Lightning Winter storms Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Pine Apple flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Pine Apple. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Wilcox County.
Disasters

2 federal disasters brought FEMA money to Pine Apple

Disasters that paid out in Pine Apple itself (aid to households or repair grants to the Town of Pine Apple), newest first, with that year’s flood claims.

  1. 2020Hurricane Zeta32 households applied for aid$51K aid approved
  2. 2004Hurricane Ivan174 households applied for aid$145K aid approved
Disasters declared, by decade
Paid out in Pine AppleWilcox County only

Wilcox County has had 19 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.

Were you here?

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

Add to the Pine Apple archive →
Be ready

Get ready for what Pine Apple 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Pine Apple

Is Pine Apple 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 Wilcox County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Pine Apple?

FEMA’s Community Rating System list shows no discount for Pine Apple’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 Pine Apple?

By FEMA money that reached Pine Apple, Hurricane Ivan (2004): 174 households applied for aid, $145K approved.

Storm stories

Memories, warnings and help from neighbors in Pine Apple.

Town Square →
Start the conversation

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