St. Clair County
Alabama — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 72th
St. Clair County faces low composite natural disaster risk (NRI Risk Index score 72.1, 72th national percentile), driven primarily by tornado and landslide exposure. Expected annual loss across all 18 hazard types is $33M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Tornado | High | 0.64 / yr | $9M |
| Landslide | Low | 0.90 / yr | $32K |
| Riverine Flood | Medium | 1.04 / yr | $18M |
| Earthquake | Low | 0.00 / yr | $1M |
| Strong Wind | Medium | 3.29 / yr | $1M |
| Wildfire | Low | 0.00 / yr | $210K |
| Heat Wave | Low | 5.74 / yr | $1M |
| Lightning | Medium | 65.61 / yr | $540K |
| Cold Wave | Low | 0.89 / yr | $2M |
| Hurricane | Very Low | 0.04 / yr | $151K |
| Drought | Low | 28.95 / yr | $103K |
| Ice Storm | Low | 0.38 / yr | $58K |
| Hail | Very Low | 4.53 / yr | $131K |
| Winter Weather | Very Low | 3.00 / yr | $17K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for St. Clair County?
St. Clair County has a composite FEMA National Risk Index score of 72.1 out of 100, placing it in the Low category and the 72th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in St. Clair County?
The three highest-rated hazards are Tornado (High, $9M EAL), Landslide (Low, $32K EAL), Riverine Flood (Medium, $18M EAL). These account for most of the county's expected annual losses.
How does St. Clair County compare to other Alabama counties?
St. Clair County ranks #26 of 67 Alabama counties for overall natural disaster risk, with a low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. St. Clair County's $33M EAL is a statistical average, not a guarantee for any specific year or address.