Warden's Residence · Photo: Chris Pruitt · CC BY-SA 3.0Triana’s building-damage rate from tornadoes is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Triana gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #10 of 187 in Alabama. Most of that expected damage is river and rain flooding (56%), then tornadoes (21%). 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 stands out about Triana’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Triana 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
Earthquakes
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 Triana’s grade
River and rain flooding is 56% of the building damage FEMA expects in Triana, and Triana’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 4% of U.S. census tracts.
B #10 of 187 in Alabama; lower expected damage per building than 63% of U.S. towns (21,298).
All of Triana’s residents live in one census tract; the figures are that tract’s.
The typical Alabama town has higher expected damage than 66% of U.S. towns; within the state, Triana has less expected damage per building than 95% of Alabama towns.
In dollars, FEMA expects about $1.5M a year in losses across Triana: $1.1M to buildings, the rest to people and crops.
Does Triana flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Triana. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Triana isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.The storms Triana remembers
None of the 18 disasters declared for Madison County shows FEMA aid or repair money reaching Triana itself in FEMA’s records, so these are its biggest flood-claim years.
Madison County has had 18 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Triana and its neighbors
Triana 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 |
|---|---|---|---|
| Triana | Bless damage than 63% | river and rain flooding | 0 |
| Huntsville | Cmore damage than 75% | river and rain flooding | 406 |
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 Triana 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Triana
Is Triana at risk for natural disasters?
On FEMA’s National Risk Index, Triana has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #10 of 187 in Alabama. Most of the expected damage is river and rain flooding (56%) and tornadoes (21%). 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 Triana 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 Madison County, 38% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Triana?
FEMA’s Community Rating System list shows no discount for Triana’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Triana at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (56%), and Triana’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Triana.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Triana’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.