Natural Disaster Risk in Decatur
Alabama
Risk Summary for Decatur
Decatur scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β 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.
Natural Hazard Profile: Decatur, Alabama
Decatur, in Morgan County, is a city of approximately 35,449 residents situated in the interior eastern United States. Its humid subtropical climate brings hot, humid summers and mild winters typical of the Deep South, and in particular an active spring tornado season. These conditions collectively define the natural hazard environment that Decatur residents and property owners must navigate.
Decatur's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Secondary hazards include lightning and earthquake.
Within Alabama, Decatur's risk is, slightly above the 6.0/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Morgan County identifies tornado as the foremost hazard, followed by lightning and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Decatur residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Decatur: Tornado preparedness
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor β away from windows β as your shelter.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
Local Factors for Decatur
These city-level factors differentiate Decatur from other communities in Morgan County and provide geographic context for its hazard exposure.
Population
35,449
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.5/10
Coordinates
34.6062Β° N, 87.0079Β° W
Morgan County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Decatur
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Decatur
Other cities in Alabama
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.