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Risk: Relatively High

Mobile County, AL Environment & Hazard Risk

Relatively High natural hazard risk, led by hurricane. 890 storm events since 1996.

Expected yearly loss
$298M
Relatively High nationally
Storm events since 1996
890
Most often thunderstorm wind
Flood insurance policies
5,422
3.6% of homes
Hurricanes nearby
10
24 tropical storms or stronger since 1852

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively High

Score 98.0 of 100

Social vulnerability

Relatively Moderate

Score 53.9 of 100

Community resilience

Relatively High

Score 79.7 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $85.3B · Agriculture value exposed: $117M · Risk-adjusted yearly loss: $343M

Risk by hazard

  • HurricaneVery High$178M/yr expected annual loss, about once every 4 years
  • LightningVery High$3.1M/yr expected annual loss, about 85 events a year
  • Heat waveRelatively Moderate$6.6M/yr expected annual loss, about 10.0 events a year
  • TornadoRelatively High$10.1M/yr expected annual loss, about 1.2 events a year
  • WildfireRelatively Moderate$2.3M/yr expected annual loss, about once every 241 years
  • Coastal floodingRelatively High$5.8M/yr expected annual loss, about 4.8 events a year
  • DroughtRelatively Moderate$1.2M/yr expected annual loss, about 17 events a year
  • Cold waveRelatively Moderate$4.8M/yr expected annual loss, about once every 1 year
  • EarthquakeRelatively Low$2.5M/yr expected annual loss, about once every 853 years
  • HailRelatively Moderate$953K/yr expected annual loss, about 1.7 events a year
  • Winter weatherRelatively Moderate$204K/yr expected annual loss, about once every 1 year
  • Strong windRelatively Moderate$1.2M/yr expected annual loss, about 1.9 events a year
  • Ice stormRelatively Moderate$374K/yr expected annual loss, about once every 2 years
  • LandslideRelatively Low$6,776/yr expected annual loss, about once every 3 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
5,422 of 150,048 (3.6%)
Homes in high-risk flood zones
9,472
Insured in high-risk zones
4,277 (45%)
Flood claims since 1978
15,117
Claims paid since 1978
$369M

Flood claims paid per year

Flood claims paid per year in Mobile County
Beta
  • Hurricane Katrina$220M · 3,374 claims
  • Hurricane Georges$32M · 2,021 claims
  • Hurricane Ivan$26.3M · 1,407 claims
  • Flooding$23.8M · 1,848 claims
  • Hurricane Frederic$17.7M · 1,472 claims
  • Hurricane Danny$4.7M · 532 claims

Storm history

Since 1996: 890 events, 9 deaths, $113M in damage

  • Thunderstorm Wind304
  • Flash Flood173
  • Hail168
  • Tornado77 · 1 death
  • Lightning63 · 3 deaths
  • Coastal Flood23
  • Tropical Storm13
  • Storm Surge/Tide13
  • Heavy Rain12
  • Waterspout11
Beta

Events per year

Storm events per year in Mobile County
22
26
22
16
34
17
11
17
37
40
43
21
44
34
38
37
43
39
15
7
Beta

129 tornadoes on record (EF0 31, EF1 24, EF2 3, F0 32, F1 25, F2 9, F3 4).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Hurricane (Typhoon)09/15/2020

    Mobile Coastal

    $76M damage

    What happened

    Hurricane Sally made landfall in Gulf Shores, AL at 5am on Wednesday, September 16th as a strong Category 2 hurricane with maximum sustained winds of 105 mph. Sally produced widespread wind, storm surge, and freshwater flooding across coastal AL and the western Florida Panhandle. Flood and wind damage also extended well inland into inland southwest Alabama and south central Alabama. Sally was an extremely slow moving hurricane, which prolonged and exacerbated the local impacts. The storm was moving at less than 5 mph at the time of landfall, resulting in a long duration of tropical storm and hurricane force winds, storm surge, and torrential rainfall. ||Storm surge and resultant damage was widespread and significant from Baldwin County eastward to Okaloosa County. The highest surge occurred in the bays and sounds of Alabama and the western Florida Panhandle, with generally lower values and lesser impacts on the immediate Gulf facing shores. A peak inundation of 7 to 9 feet above ground level was officially surveyed across some locations in the back bays and sounds of southeast Baldwin County, as well as the northern end of Escambia and Blackwater Bays. A larger area was...

  • Rip Current08/02/2018

    Mobile Coastal

    2 deaths

    What happened

    A 47 year old father and his 17 year old son, visiting from Taiwan, were swept out by a rip current off of Dauphin Island and drowned.

  • TornadoF1, 2 mi path, 500 yd wide01/27/1996

    Gulf Crest, Mobile County

    1 death, 3 injured, $100K damage

    What happened

    A TORNADO TOUCHED DOWN ALONG US HWY 45 NEAR GULF CREST AND THEN MOVED NORTHEAST FOR ABOUT 2 MILES. THREE PEOPLE WERE INJURED AND ONE OF THESE DIED IN A LOCAL HOSPITAL ABOUT A WEEK LATER. TWO ELDERLY WOMEN WERE IN A TRAILER THAT WAS TURNED OVER BY THE TORNADO. ANOTHER OF THE INJURED WAS IN A MOTOR HOME NEXT TO THE TRAILER. THE TRAILER WAS LOCATED ON A HILL AND THIS WAS WHERE THE TORNADO FIRST TOUCHED DOWN. OTHER HOMES AWAY FROM THE TRAILER SUFFERED ROOF DAMAGE AS THE TORNADO MOVED NORTHEAST. TREES WERE BLOWN DOWN AND TWISTED ALONG THE PATH OF THE TORNADO.

  • Rip Current04/13/2022

    Mobile Coastal

    1 death, 2 injured

    What happened

    Three swimmers were caught in a rip current on Dauphin Island, AL around 430 pm on April 13th. An 18 year old female from Hurley, MS was taken by USCG helicopter to a nearby hospital where she later died. Two other people were transported via ambulance but survived.

  • Thunderstorm Wind61 kt wind07/03/2007

    Mobile, Mobile County

    8 injured, $3.5M damage

    What happened

    Eye witness interviews, archived radar data, photographic evidence and media reports indicate that a thunderstorm downburst with peak winds of 70 mph, accompanied by a gustnado along the leading edge of the gustfront, was the cause of the damage that occurred in the vicinity of the I-65 and Dauphin Street interchange at around 120 pm CST on the afternoon of July 3. |A short lived gustnado developed along the leading edge of the thunderstorm downburst near the Dauphin Way Baptist Church, just on the west side of I-65. Most reports indicate that the gustnado was visible along the gustfront for 30 to 60 seconds. Slight damage occurred to a couple of trees along Dauphin Street near the church. In that same area a car was damaged when it was pushed into a tree. The occupant of the car was wearing a seat belt and was uninjured, but the back window of the car was shattered and some body damage to the vehicle occurred. In addition, an approximate 5 by 8 foot section of shingles was torn away from the roof of the Dauphin Way Baptist Church, resulting in water damage to the church's interior. |The gustfront and accompanying gustnado then quickly moved east across I-65. A National...

  • Rip Current08/01/2022

    Mobile Coastal

    1 death

    What happened

    A man in his 30s drowned due to a rip current on the West End Beach of Dauphin Island.

Drinking water

14 community water systems serve about 461,361 people. Violations since 2021.

3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

3 Superfund sites and 47 toxic release facilities in Mobile County

Toxic release facilities

Total: 10.0 million lbs in 2024, 1.1 million lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk101 historic places

Frequently asked questions

How risky is Mobile County for natural disasters?
FEMA rates Mobile County relatively high for overall natural hazard risk, with expected losses of $298M a year. The highest-rated hazards are hurricane (very high), lightning (very high), heat wave (relatively moderate).
What storms are most common in Mobile County?
Since 1996, NOAA recorded 890 storm events affecting Mobile County, most often thunderstorm wind (304), flash flood (173), hail (168).
How many tornadoes have hit Mobile County?
129 tornadoes have been recorded in Mobile County since 1950, including 4 rated F3/EF3 or stronger.
How many homes in Mobile County have flood insurance?
5,422 residential flood insurance policies are in force in Mobile County, covering about 3.6% of homes. The program has paid $369M on 15,117 claims here since 1978.
What is the weather like in Mobile County?
At Mobile, average highs reach 91°F in Jul and lows fall to 41°F in Jan, with 67.1 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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