St. Clair County, Alabama: hazard risk
FEMA rates St. Clair County's overall risk Relatively Low (score 72.1 of 100, higher than 72% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by tornado. Its storm record holds 559 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 |
|---|---|---|---|
| Tornado | Relatively High | 91.8 | $8.7M |
| Riverine Flooding | Relatively Moderate | 75.9 | $18M |
| Strong Wind | Relatively Moderate | 73.6 | $1.1M |
| Lightning | Relatively Moderate | 70.8 | $540K |
| Landslide | Relatively Low | 85.1 | $32K |
| Earthquake | Relatively Low | 74.9 | $1.2M |
| Wildfire | Relatively Low | 71.8 | $210K |
| Heat Wave | Relatively Low | 71.7 | $1.0M |
| Cold Wave | Relatively Low | 62.4 | $1.6M |
| Drought | Relatively Low | 44.2 | $103K |
| Ice Storm | Relatively Low | 40.8 | $58K |
| Hurricane | Very Low | 56.7 | $151K |
| Hail | Very Low | 30.9 | $131K |
| Winter Weather | Very Low | 18.1 | $17K |
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 | 277 | 5 | $2.6M | 18th of 67 | 725th of 3,080 |
| Hail | 113 | 0 | $205K | 23rd of 67 | 1325th of 3,080 |
| Tornadoes | 44 | 39 | $565M | 25th of 67 | 491st of 3,080 |
| Drought | 37 | 0 | – | 40th of 67 | 790th of 3,063 |
| Floods | 34 | 1 | $2.9M | 24th of 67 | 1527th of 3,080 |
| Winter storms | 21 | 0 | $150K | 20th of 67 | 2482nd of 3,077 |
| High wind and dust storms | 8 | 0 | $190K | 29th of 67 | 2193rd of 3,080 |
| Extreme cold | 6 | 0 | $1.9M | 30th of 67 | 1823rd of 3,076 |
| Heat | 6 | 0 | – | 45th of 67 | 1504th of 3,076 |
| Hurricanes and tropical storms | 5 | 0 | $217K | 33rd of 67 | 558th of 1,849 |
| Lightning | 4 | 0 | $36K | 41st of 67 | 1047th of 3,080 |
| Heavy rain | 1 | 0 | – | 45th of 67 | 2058th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full St. Clair County record: every hazard by year and month, the deadliest events and FEMA's declarations.