Natural Disaster Risk in Elba
Alabama
Risk Summary for Elba
Elba scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
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: Elba, Alabama
Elba is a town of roughly 7,967 residents in Coffee County, in the Deep South. The area experiences hot, humid summers and mild winters typical of the Deep South, with an active spring tornado season shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Elba.
According to FEMA's National Risk Index, Elba carries an overall risk score of 6.4/10, placing it in the high category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to tornado and lightning.
Elba's risk score, slightly above the 6.0/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Coffee County, the highest-scoring are hurricane, tornado, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Elba residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane 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 Elba: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
Local Factors for Elba
These city-level factors differentiate Elba from other communities in Coffee County and provide geographic context for its hazard exposure.
Population
7,967
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 31.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.2/10
Coordinates
31.4270Β° N, 86.0722Β° W
Coffee 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 Elba
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Elba
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.