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White Hall, AlabamaPhoto: Rivers Langley; SaveRivers · CC BY-SA 3.0
–Not graded
Natural hazards in White Hall · FEMA

Storms, floods and disasters in White Hall

White Hall isn’t graded for hazard risk: White Hall has 875 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1985.

Flood claims
7
paid since 1985 · $74K
Disasters paid out here
0
of 17 declared for Lowndes County
By hazard

What White Hall 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

80%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 2 years in the area

Strong wind

8%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

5%of expected building damage
Above average · higher than 74% of U.S. census tracts
Recorded about once every 5 years in the area
Smaller shares here
 Hurricanes Earthquakes Hail Ice storms Wildfire Lightning 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 18% of White Hall’s expected losses. Tornadoes do little damage to buildings (5.2%), 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 White Hall flood? Rarely: 7 flood claims since 1985

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

Paid flood claims, by year
1985: 1 claim1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 4 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 1 claim2025: 0 claims2026: 0 claims198519902011
19852026
7
paid claims since 1985
$74K
paid to owners
0
homes flooded more than once
$11K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Lowndes County.
Disasters

The storms White Hall remembers

None of the 17 disasters declared for Lowndes County shows FEMA aid or repair money reaching White Hall itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19904 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Lowndes County
  2. 19851 flood claims paidNo declaration for the county that year
  3. 20111 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and Flooding, declared for Lowndes County
Disasters declared, by decade
Paid out in White HallLowndes County only

Lowndes County has had 17 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.

Were you here?

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

Add to the White Hall archive →
Be ready

Get ready for what White Hall 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 ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
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 White Hall

Does White Hall flood?

Flood insurance has paid 7 claims in White Hall since 1985, $74K in all.

Is White Hall 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 Lowndes County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.

How much is flood insurance in White Hall?

FEMA’s Community Rating System list shows no discount for White Hall’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 White Hall.

Town Square →
Start the conversation

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