Property Atlas

County hazard profile

Hale, AL

Alabama · pop. 14,753 · FIPS 01065

Very Low
FEMA risk rating · RATING
Lightning
dominant hazard
$8M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Hale $8M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 39.09/100
national median ~50 lower than most counties (39th percentile)
Social vulnerabilityVery High 90.62/100
national median ~50 among the highest nationally
Community resilienceRelatively Low 22.65/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Hale

The National Flood Insurance Program has paid 115 flood-insurance claims totaling $671K in Hale since 1978. The costliest year was 2020 ($236K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $18,915 paid 1980: $19,994 paid 1983: $36,165 paid 1985: $12,000 paid 1990: $107,393 paid 1991: $0 paid 2000: $85,630 paid 2004: $2,901 paid 2006: $8,917 paid 2007: $2,694 paid 2008: $7,331 paid 2009: $94,177 paid 2011: $12,941 paid 2013: $0 paid 2014: $0 paid 2015: $14,607 paid 2016: $1,328 paid 2018: $10,000 paid 2020: $235,850 paid 2021: $0 paid 2026: $0 paid 2020 · $236K 1978 2026
$671K
total paid
$5,833
average claim
$74K
largest single claim
54%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Hale, AL and where it ranks among U.S. counties. It is not a verdict on whether Hale is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.