Clarke County, Alabama: hazard risk
FEMA rates Clarke County's overall risk Relatively Low (score 53.4 of 100, higher than 53% of rated U.S. counties). Its storm record holds 612 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 | Relatively Moderate | 89.6 | $5.4M |
| Lightning | Relatively Moderate | 68.1 | $349K |
| Tornado | Relatively Moderate | 67.8 | $1.8M |
| Landslide | Relatively Low | 76.1 | $8K |
| Heat Wave | Relatively Low | 66.2 | $587K |
| Cold Wave | Relatively Low | 55.7 | $883K |
| Riverine Flooding | Relatively Low | 40.4 | $3.7M |
| Strong Wind | Relatively Low | 29.5 | $218K |
| Winter Weather | Relatively Low | 27.6 | $20K |
| Earthquake | Very Low | 52.6 | $239K |
| Wildfire | Very Low | 43.9 | $25K |
| Drought | Very Low | 27.1 | $13K |
| Hail | Very Low | 24.7 | $69K |
| Coastal Flooding | Very Low | 22.2 | $583 |
| Ice Storm | Very Low | 21.1 | $13K |
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 | 322 | 0 | $3.0M | 46th of 67 | 1829th of 3,080 |
| Hail | 121 | 0 | $168K | 48th of 67 | 2247th of 3,080 |
| Floods | 48 | 0 | $3.7M | 42nd of 67 | 2107th of 3,080 |
| Tornadoes | 45 | 0 | $11M | 62nd of 67 | 1563rd of 3,080 |
| Winter storms | 26 | 0 | $25K | 45th of 67 | 2821st of 3,077 |
| Lightning | 17 | 0 | $526K | 23rd of 67 | 516th of 3,080 |
| Hurricanes and tropical storms | 8 | 0 | $543K | 43rd of 67 | 630th of 1,849 |
| High wind and dust storms | 7 | 0 | $52K | 53rd of 67 | 2733rd of 3,080 |
| Heavy rain | 4 | 0 | – | 28th of 67 | 1615th of 3,080 |
| Drought | 3 | 0 | – | 61st of 67 | 2365th of 3,063 |
| Heat | 3 | 1 | – | 62nd of 67 | 2143rd of 3,076 |
| Extreme cold | 1 | 1 | – | 57th of 67 | 2809th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Clarke County record: every hazard by year and month, the deadliest events and FEMA's declarations.