Mobile County, Alabama: hazard risk
FEMA rates Mobile County's overall risk Relatively High (score 98.0 of 100, higher than 97% of rated U.S. counties); 5 of its 15 hazards are rated Relatively High or Very High, led by hurricane, lightning, riverine flooding. Its storm record holds 1,290 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 | 99.4 | $178M |
| Lightning | Very High | 98.4 | $3.1M |
| Riverine Flooding | Relatively High | 95.9 | $81M |
| Tornado | Relatively High | 94.6 | $10M |
| Coastal Flooding | Relatively High | 90.6 | $5.8M |
| Heat Wave | Relatively Moderate | 96.0 | $6.6M |
| Wildfire | Relatively Moderate | 93.5 | $2.3M |
| Drought | Relatively Moderate | 86.2 | $1.2M |
| Cold Wave | Relatively Moderate | 85.9 | $4.8M |
| Hail | Relatively Moderate | 83.2 | $953K |
| Winter Weather | Relatively Moderate | 81.3 | $204K |
| Strong Wind | Relatively Moderate | 80.9 | $1.2M |
| Ice Storm | Relatively Moderate | 80.1 | $374K |
| Earthquake | Relatively Low | 84.8 | $2.5M |
| Landslide | Relatively Low | 72.6 | $7K |
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 | 473 | 1 | $10M | 30th of 67 | 1023rd of 3,080 |
| Hail | 242 | 0 | $76K | 14th of 67 | 988th of 3,080 |
| Floods | 214 | 0 | $12M | 7th of 67 | 705th of 3,080 |
| Tornadoes | 129 | 1 | $21M | 6th of 67 | 122nd of 3,080 |
| Hurricanes and tropical storms | 71 | 1 | $5.9B | 1st of 67 | 272nd of 1,849 |
| Lightning | 63 | 3 | $5.5M | 4th of 67 | 143rd of 3,080 |
| Winter storms | 22 | 0 | $7K | 63rd of 67 | 2942nd of 3,077 |
| Rip currents and high surf | 13 | 10 | $147K | 2nd of 67 | 105th of 2,080 |
| Heat | 12 | 7 | – | 56th of 67 | 1761st of 3,076 |
| Heavy rain | 12 | 0 | – | 12th of 67 | 1175th of 3,080 |
| High wind and dust storms | 12 | 0 | $355K | 45th of 67 | 2511th of 3,080 |
| Drought | 6 | 0 | – | 60th of 67 | 2364th of 3,063 |
| Extreme cold | 2 | 1 | – | 56th of 67 | 2700th 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 Mobile County record: every hazard by year and month, the deadliest events and FEMA's declarations.