Talladega County, Alabama: hazard risk
FEMA rates Talladega County's overall risk Relatively Moderate (score 84.7 of 100, higher than 84% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by tornado, cold wave. Its storm record holds 631 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 | 93.8 | $7.0M |
| Cold Wave | Relatively High | 90.3 | $5.0M |
| Riverine Flooding | Relatively Moderate | 87.2 | $20M |
| Heat Wave | Relatively Moderate | 81.8 | $1.1M |
| Strong Wind | Relatively Moderate | 80.3 | $906K |
| Lightning | Relatively Moderate | 69.4 | $333K |
| Wildfire | Relatively Low | 79.1 | $255K |
| Earthquake | Relatively Low | 78.5 | $974K |
| Hurricane | Relatively Low | 74.4 | $626K |
| Landslide | Relatively Low | 67.2 | $3K |
| Drought | Relatively Low | 56.4 | $152K |
| Hail | Relatively Low | 52.2 | $195K |
| Ice Storm | Relatively Low | 51.5 | $62K |
| Winter Weather | Very Low | 19.4 | $12K |
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 | 292 | 1 | $3.1M | 29th of 67 | 985th of 3,080 |
| Hail | 144 | 0 | $406K | 27th of 67 | 1404th of 3,080 |
| Drought | 48 | 0 | – | 30th of 67 | 689th of 3,063 |
| Floods | 40 | 0 | $1.6M | 32nd of 67 | 1776th of 3,080 |
| Tornadoes | 35 | 6 | $183M | 50th of 67 | 1145th of 3,080 |
| Winter storms | 21 | 2 | $96K | 23rd of 67 | 2574th of 3,077 |
| High wind and dust storms | 13 | 1 | $4.0M | 21st of 67 | 1913th of 3,080 |
| Heat | 10 | 0 | – | 22nd of 67 | 1232nd of 3,076 |
| Hurricanes and tropical storms | 7 | 0 | $267K | 22nd of 67 | 499th of 1,849 |
| Extreme cold | 6 | 1 | $1.9M | 39th of 67 | 1956th of 3,076 |
| Heavy rain | 5 | 1 | – | 18th of 67 | 1467th of 3,080 |
| Lightning | 5 | 0 | $170K | 38th of 67 | 995th 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 Talladega County record: every hazard by year and month, the deadliest events and FEMA's declarations.