Photo: not specified · Public domainStorms, floods and disasters in Alma
Alma isn’t graded for hazard risk: Alma has 788 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 2000.
What Alma 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
Hail
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.
Does Alma flood? Rarely: 5 flood claims since 2000
Every paid claim on a federal flood insurance policy in Alma, from FEMA’s records.
Alma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Buffalo County.4 federal disasters brought FEMA money to Alma
Disasters that paid out in Alma itself (aid to households or repair grants to the City of Alma), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding3 households applied for aid$2K aid approved
- 2017Severe Storms, Straight-line Winds, Flooding, Landslides, and Mud$64K to the City of Alma for repairs
- 2010Severe Storms and Flooding$53K to the City of Alma for repairs
- 2001Flooding, Severe Storms and Tornadoes$18K to the City of Alma for repairs
Buffalo County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Alma after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Alma archive →Alma and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Greenfield Township | Cmore damage than 71% | river and rain flooding | — |
| Alma | — | 291 residents; we grade 1,000+ | |
| Nelson | — | 470 residents; we grade 1,000+ | |
| Belvidere | — | 425 residents; we grade 1,000+ | |
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 Alma 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Alma
Does Alma flood?
Flood insurance has paid 5 claims in Alma since 2000, $51K in all. 1 properties have flooded more than once.
Is Alma 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 Buffalo County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Alma?
FEMA’s Community Rating System list shows no discount for Alma’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 Alma?
By FEMA money that reached Alma, Severe Storms, Straight-line Winds, Flooding, Landslides, and Mud (2017): $64K to the City of Alma for repairs.
Storm stories
Memories, warnings and help from neighbors in Alma.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Alma’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.