Natural Disaster Risk in Baldwin County
Alabama
7.7out of 10
Risk Summary for Baldwin County
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Hurricane Lightning Coastal Flooding
All 18 Hazard Scores
Hurricane 9.9
Lightning 9.9
Coastal Flooding 9.8
Tornado 9.4
Extreme Heat 9.3
Wildfire 9.2
Strong Wind 8.7
Cold Wave 8.3
Drought 7.8
Earthquake 7.6
Landslide 6.9
Hail 6.8
Winter Weather 6.4
Ice Storm 5.7
Tsunami 5.4
Volcanic Activity 5.1
Avalanche 4.5
Riverine Flooding 1.0
How it compares
Baldwin County 7.7
Alabama avg. 6.0
US national avg. 4.5
Live Conditions
Checking live alerts…
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Cities in Baldwin County
Foley7.7/10Fairhope7.7/10Daphne7.7/10Bay Minette7.7/10Gulf Shores7.7/10Robertsdale7.7/10Loxley7.7/10Orange Beach7.7/10Elberta7.7/10Summerdale7.7/10Lillian7.7/10Silverhill7.7/10Perdido7.7/10Stockton7.7/10Seminole7.7/10Magnolia Springs7.7/10Stapleton7.7/10Bon Secour7.7/10Little River7.7/10Montrose7.7/10
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.