Natural Disaster Risk in Five Points
Alabama
Risk Summary for Five Points
Five Points scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Five Points, Alabama
Five Points, in Chambers County, is a small community of about 1,460 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 Five Points residents and property owners must navigate.
Five Points's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. The threat of extreme heat dominates the local risk profile, with the area experiencing heat waves that drive heat-related illness and place significant demand on energy infrastructure. Secondary hazards include hurricane and tornado.
Within Alabama, Five Points's risk is, slightly below the 6.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Chambers County identifies heat as the foremost hazard, followed by hurricane and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Five Points's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that heat exposure is adequately protected is a worthwhile step for property owners.
What this means for Five Points: Extreme Heat preparedness
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
Local Factors for Five Points
These city-level factors differentiate Five Points from other communities in Chambers County and provide geographic context for its hazard exposure.
Population
1,460
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 33.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.8/10
Coordinates
33.0371° N, 85.3052° W
Chambers 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 Five Points
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Five Points
Other cities in Alabama
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.