FEMA Records
25
High volume
Alabama · FEMA + NOAA + National Risk Index
Talladega County, AL
25 FEMA disaster declarations (1973-2024), with a FEMA National Risk Index rating of Relatively Moderate. Most common hazard: Hurricane.
- 25
- FEMA declarations
- 13
- Major disasters
- 85
- NRI risk · Relatively Moderate
- Hurricane
- Top hazard
The verdict
Talladega County has a nationally busy FEMA history: 25 declarations, more than 71% of counties in this registry. But the state comparison tempers that reading: the total is 3% below the Alabama county mean. FEMA's separate National Risk Index places the county in the riskiest 15%; that score models loss and vulnerability rather than counting declarations.
- Riskiest 15%
- of U.S. counties for FEMA National Risk Index score
- Relatively Moderate
- FEMA National Risk Index rating
- 25
- FEMA declarations vs 21 national county avg
- 107
- 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 Talladega County compare?
Talladega County vs. all counties in this dataset
FEMA disaster declarations, all-time
25 Top 29% higher than 71% 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
Talladega 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 Talladega County is led by Riverine Flooding (about $20.4M Expected Annual Loss, Historical Loss Ratio Relatively Low), 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 Talladega County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 107 paid claims, totaling $2.1M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $19.6K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
Start with the state benchmark: a Alabama county averages 25.8 federal declaration records, while Talladega County has 25. The gap is 3% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
FEMA National Risk Index
This county sits among the highest-risk counties nationally on FEMA's National Risk Index, a composite score of 84.7/100 (Relatively Moderate). Expected Annual Loss is rated Relatively Low (roughly $37.0M in annualized losses). Social vulnerability reads Very High and community resilience Relatively Moderate, both critical modifiers of realized harm here. 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 1 years here, based on 33 historical events on record.
Declaration frequency
Nationally, Talladega County's 25 FEMA records form a high-volume history; within Alabama, however, the count is 3% below the county mean. 13 entries carry the Major Disaster classification. The largest incident group is Hurricane, appearing 10 times. The full 51-year record averages 0.5 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
61 /100
Historical Activity Index
High historical activity
Talladega 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
18/30
25 OpenFEMA declarations, full ingest window (1.2x national county average)
County Disaster Density Moderate
12/25
25 declarations (1.0x state county average of 26)
Major Disaster Share High
13/25
13 of 25 declarations are major disasters (52%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Talladega County
Historical Declaration Activity
Activity Band
High
vs. Alabama Avg
-3%
State avg: 25.8
vs. National Avg
+21%
National avg: 20.7
Avg Per Year
0.5
Over 51 years
FEMA NRI 8-hazard radar - Talladega 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
52%
Major-heavy
NRI risk score
85
Relatively Moderate
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Talladega 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 1 years |
| Cold Wave | Relatively High | roughly once every 2 years |
| Riverine Flooding | Relatively Moderate | roughly once every 1 years |
| Heat Wave | Relatively Moderate | 6.1 modeled event-days per year |
| Strong Wind | Relatively Moderate | an average of 2.2 times per year |
| Wildfire | Relatively Low | roughly once every 476 years |
| Earthquake | Relatively Low | roughly once every 416 years |
| Hurricane | Relatively Low | roughly once every 18 years |
| Lightning | Relatively Moderate | an average of 67 times per year |
| Landslide | Relatively Low | roughly once every 1 years |
| Drought | Relatively Low | 31 modeled event-days per year |
| Hail | Relatively Low | an average of 4.1 times per year |
| Ice Storm | Relatively Low | roughly once every 3 years |
| Winter Weather | Very Low | an average of 2.9 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Hurricane 10
Severe Storm 6
Flood 4
Biological 2
Snowstorm 1
Tornado 1
Drought 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Talladega County's federal record, 40% of its declarations. Atlantic tropical systems run on a defined season, 1 June to 30 November, with most activity concentrated between August and October; Pacific and territorial basins run on their own calendars. A single named storm routinely produces one declaration number covering a long corridor of counties at once, well inland as well as on the coast, which is why an affected county's count can jump by several in one year without several separate events having occurred.
One practical distinction matters when reading these records: a tropical declaration usually bundles wind, storm surge and inland rainfall flooding under a single incident, but the insurance behind them is split. Wind damage falls to property insurers, while flood and surge damage is covered only under a separate National Flood Insurance Program policy. That is why a county can show heavy declaration activity and a comparatively small NFIP claims record, or the reverse.
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 - 13 52.0%
of all 25 declarations
Emergency - 12 48.0%
of all 25 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2021 | 1 | |
| 2020 | 3 | |
| 2018 | 1 | |
| 2017 | 1 | |
| 2011 | 2 | |
| 2008 | 1 | |
| 2005 | 2 | |
| 2004 | 1 | |
| 2003 | 2 | |
| 2002 | 1 | |
| 1996 | 1 | |
| 1993 | 1 | |
| 1990 | 1 | |
| 1984 | 1 | |
Show 3 earlier declaration years
| 1979 | 2 | |
| 1977 | 2 | |
| 1973 | 1 | |
Disaster Declarations
How the 25 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 25 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 |
| 4573 | HURRICANE ZETA | DR | Hurricane | 2020-12-10 |
| 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 |
| 3394 | HURRICANE NATE | EM | Hurricane | 2017-10-08 |
| 3389 | HURRICANE IRMA | EM | Hurricane | 2017-09-11 |
| 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 |
| 1593 | HURRICANE DENNIS | DR | Hurricane | 2005-07-10 |
| 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 |
| 1070 | HURRICANE OPAL | DR | Hurricane | 1995-10-04 |
| 3096 | SEVERE SNOWFALL, WINTER STORM | EM | Snowstorm | 1993-03-15 |
| 856 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1990-02-17 |
| 3088 | SEVERE STORMS & TORNADOES | EM | Tornado | 1984-05-11 |
Show 5 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 578 | STORMS, WIND, FLOODING | DR | Flood | 1979-04-18 |
| 3074 | FLOODING | EM | Flood | 1979-03-17 |
| 3045 | DROUGHT | EM | Drought | 1977-07-20 |
| 532 | SEVERE STORMS & FLOODING | DR | Flood | 1977-04-09 |
| 388 | SEVERE STORMS & FLOODING | DR | Flood | 1973-05-29 |
Storm Events in Alabama
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Talladega 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
107
Total Paid
$2.1M
Avg Per Claim
$19.6K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Moderate
Score: 84.7/100
Expected Annual Loss
Relatively Low
$37.0M/year
Social Vulnerability
Very High
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Tornado Relatively High
Cold Wave Relatively High
Riverine Flooding Relatively Moderate
Heat Wave Relatively Moderate
Strong Wind Relatively Moderate
Wildfire Relatively Low
Earthquake Relatively Low
Hurricane Relatively Low
Lightning Relatively Moderate
Landslide Relatively Low
Drought Relatively Low
Hail Relatively Low
Ice Storm Relatively 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.
Worth noting for Talladega County: the model and the federal record do NOT point at the same hazard. Tornado carries the highest modeled rating (Relatively High), while the county's declaration history is led by Hurricane. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
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
Talladega County's closest FEMA peer: McLennan County, TX
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Talladega County. Record similarity, not a safety rating.
Closest declaration profiles
Talladega County shows 25 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Talladega County: 13 of 25 of its declarations are Major.
Similar modeled NRI score
Talladega County: NRI composite 84.7 (Relatively Moderate).
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 Talladega County - capture-dated entries only.
Further reading for this county
Understanding disaster data
Talladega County's NFIP claims file (107 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 Talladega County?
The most common disaster type in Talladega County is Hurricane, with 10 declarations. Other disaster types include Severe Storm (6), Flood (4), Biological (2).
How does Talladega County's FEMA declaration record compare with the Alabama average?
The typical Alabama county has 25.8 FEMA declaration records; Talladega County has 25, or 3% fewer. Against the national county mean of 20.7, this county's total is 21% higher. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Talladega County received?
Talladega County has received 13 major disaster declarations, representing 52% of all 25 disaster declarations.
How many flood insurance claims has Talladega County filed?
Talladega County has 107 National Flood Insurance Program (NFIP) claims totaling $2.1M in payments, with an average of $19.6K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Talladega County?
No. In Talladega County, Tornado has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $20.4M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Talladega County?
The most active year for disaster declarations in Talladega 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 Talladega County?
According to the FEMA National Risk Index, Talladega County, Alabama has an overall risk score of 84.7 out of 100 (Relatively Moderate). The county's social vulnerability rating is Very High and community resilience is Relatively Moderate. The Expected Annual Loss (EAL) score is Relatively Low, representing $37.0M in annualized losses.
Which natural hazard poses the greatest risk to Talladega County?
Based on FEMA NRI data, the highest-risk natural hazard in Talladega County is Tornado (risk rating: Relatively High). Other significant hazards include Cold Wave (Relatively High) and Riverine Flooding (Relatively Moderate). FEMA's modeled event frequency puts tornado here at roughly once every 1 years, drawn from 33 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
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 Talladega County
Against a Alabama county mean of 26 declarations, Talladega County, AL records 25, or 3% fewer. PlainHazard classifies that historical total as high activity.
- Major Disaster is the largest group (13 of 25) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Alabama overview
- Nationally the county exceeds 71% of recorded county totals, but its own Alabama benchmark is higher. The ranking keeps those two contexts separate. 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
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
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.