Baldwin County, Alabama: hazard risk
FEMA rates Baldwin County's overall risk Relatively High (score 96.7 of 100, higher than 96% of rated U.S. counties); 5 of its 15 hazards are rated Relatively High or Very High, led by hurricane, lightning, tornado. Its storm record holds 1,061 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Very High | 99.2 | $159M |
| Lightning | Very High | 98.9 | $4.1M |
| Tornado | Relatively High | 92.8 | $9.0M |
| Coastal Flooding | Relatively High | 85.8 | $4.1M |
| Strong Wind | Relatively High | 85.1 | $1.6M |
| Riverine Flooding | Relatively Moderate | 92.2 | $48M |
| Heat Wave | Relatively Moderate | 92.2 | $3.6M |
| Wildfire | Relatively Moderate | 90.8 | $1.5M |
| Cold Wave | Relatively Moderate | 80.3 | $3.7M |
| Drought | Relatively Moderate | 74.5 | $664K |
| Earthquake | Relatively Low | 72.4 | $916K |
| Landslide | Relatively Low | 65.1 | $4K |
| Hail | Relatively Low | 63.2 | $414K |
| Winter Weather | Relatively Low | 59.3 | $86K |
| Ice Storm | Relatively Low | 48.3 | $77K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 358 | 0 | $5.3M | 47th of 67 | 1834th of 3,080 |
| Hail | 178 | 0 | $31K | 45th of 67 | 2163rd of 3,080 |
| Floods | 150 | 2 | $39M | 15th of 67 | 1270th of 3,080 |
| Tornadoes | 116 | 0 | $35M | 27th of 67 | 530th of 3,080 |
| Hurricanes and tropical storms | 69 | 4 | $552M | 6th of 67 | 337th of 1,849 |
| Rip currents and high surf | 52 | 53 | $11M | 1st of 67 | 56th of 2,080 |
| Lightning | 43 | 7 | $1.4M | 11th of 67 | 327th of 3,080 |
| Winter storms | 22 | 0 | $19K | 67th of 67 | 2966th of 3,077 |
| Heavy rain | 19 | 0 | – | 21st of 67 | 1506th of 3,080 |
| Heat | 6 | 1 | – | 66th of 67 | 2206th of 3,076 |
| Drought | 4 | 0 | – | 67th of 67 | 2427th of 3,063 |
| High wind and dust storms | 4 | 1 | $4K | 56th of 67 | 2841st of 3,080 |
| Landslides and avalanches | 1 | 0 | – | 6th of 67 | 392nd of 2,278 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Baldwin County record: every hazard by year and month, the deadliest events and FEMA's declarations.