FEMA Records
30
High volume
Alabama · FEMA + NOAA + National Risk Index
St. Clair County, AL
30 FEMA disaster declarations (1973-2024), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Severe Storm.
- 30
- FEMA declarations
- 19
- Major disasters
- 72
- NRI risk · Relatively Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for St. Clair County. Its 30 FEMA declarations are 16% above the Alabama county mean and exceed the count for 86% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 28%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 28%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 30
- FEMA declarations vs 21 national county avg
- 96
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does St. Clair County compare?
St. Clair County vs. all counties in this dataset
FEMA disaster declarations, all-time
30 Top 14% higher than 86% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
St. Clair County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Alabama county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for St. Clair County is led by Riverine Flooding (about $17.6M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Tornado carries the highest National Risk Index rating (Relatively High). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does St. Clair County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 96 paid claims, totaling $1.4M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $14.3K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
The declaration register points in the busier direction. St. Clair County's 30 federal records stand 16% above the Alabama county mean of 25.8. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 72.1/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $32.6M in annualized losses), and a Relatively Low social-vulnerability profile combined with Relatively Moderate community resilience shapes how much of that raw exposure becomes realized harm. Of the 18 hazards FEMA models, Tornado stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at roughly once every 2 years here, based on 43 historical events on record.
Declaration frequency
The FEMA register is busy by both local and national comparisons. It contains 30 entries for St. Clair County, including 19 Major Disaster records, 16% above the Alabama county mean. Across the 51-year span, that works out to 0.6 declarations a year. Severe Storm leads the file with 12 entries. Declaration type records the federal action taken, not every assistance program approved.
71 /100
Historical Activity Index
High historical activity
St. Clair County, AL · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
22/30
30 OpenFEMA declarations, full ingest window (1.4x national county average)
County Disaster Density High
15/25
30 declarations (1.2x state county average of 26)
Major Disaster Share High
16/25
19 of 30 declarations are major disasters (63%)
Hazard Diversity Very High
18/20
7 different disaster types declared in St. Clair County
Historical Declaration Activity
Activity Band
High
vs. Alabama Avg
+16%
State avg: 25.8
vs. National Avg
+45%
National avg: 20.7
Avg Per Year
0.6
Over 51 years
FEMA NRI 8-hazard radar - St. Clair County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
63%
Major-heavy
NRI risk score
72
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike St. Clair County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Tornado | Relatively High | roughly once every 2 years |
| Landslide | Relatively Low | roughly once every 1 years |
| Riverine Flooding | Relatively Moderate | an average of 1 time per year |
| Earthquake | Relatively Low | roughly once every 360 years |
| Strong Wind | Relatively Moderate | an average of 3.3 times per year |
| Wildfire | Relatively Low | roughly once every 590 years |
| Heat Wave | Relatively Low | 5.7 modeled event-days per year |
| Lightning | Relatively Moderate | an average of 66 times per year |
| Cold Wave | Relatively Low | roughly once every 1 years |
| Hurricane | Very Low | roughly once every 24 years |
| Drought | Relatively Low | 29 modeled event-days per year |
| Ice Storm | Relatively Low | roughly once every 3 years |
| Hail | Very Low | an average of 4.5 times per year |
| Winter Weather | Very Low | an average of 3 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 12
Hurricane 8
Flood 4
Biological 2
Tornado 2
Snowstorm 1
Drought 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on St. Clair County's record, 40% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 19 63.3%
of all 30 declarations
Emergency - 11 36.7%
of all 30 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2020 | 3 | |
| 2018 | 2 | |
| 2017 | 1 | |
| 2016 | 1 | |
| 2011 | 2 | |
| 2008 | 1 | |
| 2005 | 1 | |
| 2004 | 1 | |
| 2003 | 2 | |
| 2002 | 1 | |
| 2001 | 1 | |
| 1998 | 1 | |
| 1996 | 1 | |
| 1994 | 1 | |
Show 7 earlier declaration years
| 1993 | 1 | |
| 1990 | 1 | |
| 1979 | 1 | |
| 1977 | 2 | |
| 1976 | 1 | |
| 1975 | 2 | |
| 1973 | 2 | |
Disaster Declarations
How the 30 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 30 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3618 | HURRICANE HELENE | EM | Hurricane | 2024-09-26 |
| 3545 | HURRICANE SALLY | EM | Hurricane | 2020-09-14 |
| 4503 | COVID-19 PANDEMIC | DR | Biological | 2020-03-29 |
| 3472 | COVID-19 | EM | Biological | 2020-03-13 |
| 4362 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2018-04-26 |
| 3394 | HURRICANE NATE | EM | Hurricane | 2017-10-08 |
| 3389 | HURRICANE IRMA | EM | Hurricane | 2017-09-11 |
| 4251 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2016-01-21 |
| 1971 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2011-04-28 |
| 3319 | SEVERE STORMS, TORNADOES, AND STRAIGHT-LINE WINDS | EM | Severe Storm | 2011-04-27 |
| 3292 | HURRICANE GUSTAV | EM | Hurricane | 2008-08-30 |
| 3237 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1549 | HURRICANE IVAN | DR | Hurricane | 2004-09-15 |
| 1466 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-05-12 |
| 1442 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2002-11-14 |
| 1399 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2001-12-07 |
| 1352 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2000-12-18 |
| 1214 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 1998-04-09 |
| 1070 | HURRICANE OPAL | DR | Hurricane | 1995-10-04 |
| 1019 | SEVERE STORMS, TORNADO, AND FLOODING | DR | Severe Storm | 1994-03-30 |
Show 10 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3096 | SEVERE SNOWFALL, WINTER STORM | EM | Snowstorm | 1993-03-15 |
| 856 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1990-02-17 |
| 578 | STORMS, WIND, FLOODING | DR | Flood | 1979-04-18 |
| 3045 | DROUGHT | EM | Drought | 1977-07-20 |
| 532 | SEVERE STORMS & FLOODING | DR | Flood | 1977-04-09 |
| 488 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1975-10-02 |
| 458 | SEVERE STORMS & FLOODING | DR | Flood | 1975-03-14 |
| 3007 | TORNADOES | EM | Tornado | 1975-01-18 |
| 388 | SEVERE STORMS & FLOODING | DR | Flood | 1973-05-29 |
| 369 | TORNADOES & FLOODING | DR | Tornado | 1973-03-27 |
Storm Events in Alabama
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to St. Clair County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 7,827 | 16 | 115 | $51.7M |
| Hail | 1,349 | 0 | 0 | $5.0K |
| Flash Flood | 1,047 | 17 | 7 | $12.8M |
| Tornado | 896 | 57 | 343 | $49.7M |
| Drought | 857 | 0 | 0 | $0 |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
96
Total Paid
$1.4M
Avg Per Claim
$14.3K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 72.1/100
Expected Annual Loss
Relatively Low
$32.6M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Tornado Relatively High
Landslide Relatively Low
Riverine Flooding Relatively Moderate
Earthquake Relatively Low
Strong Wind Relatively Moderate
Wildfire Relatively Low
Heat Wave Relatively Low
Lightning Relatively Moderate
Cold Wave Relatively Low
Hurricane Very Low
Drought Relatively Low
Ice Storm Relatively Low
Hail Very Low
Winter Weather Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Tornado
Tornado exposure is the most spatially concentrated in the model: total destruction along a narrow corridor with intact property either side. County-level averages therefore understate severity badly for anyone actually in the path, and overstate it for everyone else.
For St. Clair County the two measures on this page point the same way: Tornado is the county's highest-rated modeled hazard (Relatively High), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
St. Clair County's closest FEMA peer: Rockland County, NY
Comparisons use published FEMA declaration fields plus the National Risk Index composite for St. Clair County. Record similarity, not a safety rating.
Closest declaration profiles
St. Clair County shows 30 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
St. Clair County: 19 of 30 of its declarations are Major.
Similar modeled NRI score
St. Clair County: NRI composite 72.1 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for St. Clair County - capture-dated entries only.
Further reading for this county
Understanding disaster data
St. Clair County's NFIP claims file (96 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in St. Clair County?
The most common disaster type in St. Clair County is Severe Storm, with 12 declarations. Other disaster types include Hurricane (8), Flood (4), Biological (2).
How does St. Clair County's FEMA declaration record compare with the Alabama average?
FEMA lists 30 declaration records for St. Clair County. That is 16% above the Alabama county mean of 25.8. Its count is also 45% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has St. Clair County received?
St. Clair County has received 19 major disaster declarations, representing 63% of all 30 disaster declarations.
How many flood insurance claims has St. Clair County filed?
St. Clair County has 96 National Flood Insurance Program (NFIP) claims totaling $1.4M in payments, with an average of $14.3K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in St. Clair County?
No. In St. Clair County, Tornado has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $17.6M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in St. Clair County?
The most active year for disaster declarations in St. Clair County was 2020, with 3 declarations. The county has FEMA disaster data spanning 1973 to 2024.
What is the FEMA National Risk Index score for St. Clair County?
According to the FEMA National Risk Index, St. Clair County, Alabama has an overall risk score of 72.1 out of 100 (Relatively Low). On social vulnerability the county rates Relatively Low; on community resilience, Relatively Moderate. The Expected Annual Loss (EAL) score is Relatively Low, representing $32.6M in annualized losses.
Which natural hazard poses the greatest risk to St. Clair County?
FEMA's NRI data points to St. Clair County is Tornado (risk rating: Relatively High). Other significant hazards include Landslide (Relatively Low) and Riverine Flooding (Relatively Moderate). FEMA's modeled event frequency puts tornado here at roughly once every 2 years, drawn from 43 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for St. Clair County
St. Clair County, AL has 30 federal declaration records, 16% more than the Alabama county mean of 26; its history sits in PlainHazard's high activity band.
- Within this above-state-average declaration file, major disaster leads with 19 of 30 records; the category describes past federal action, not the next likely hazard. Alabama overview
- The state benchmark and national rank point the same way: this count tops the Alabama mean and the totals for 86% of 3,266 U.S. counties. Most-disaster rankings
- Use the data guide to separate this mid-volume insurance-claims file from declaration counts and modeled NRI risk. Disaster-data guide
An above-average declaration count records past federal responses; it does not predict the next event. Current warnings come from the National Weather Service and local emergency officials.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.