🌍 ClimateRiskCheck

Natural Disaster Risk in Horton

Alabama

7.3out of 10
High Risk

Risk Summary for Horton

Horton scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Strong Wind Lightning

All 18 Hazard Scores

Tornado
9.8
Strong Wind
9.7
Lightning
9.0
Earthquake
8.9
Cold Wave
8.8
Extreme Heat
8.3
Winter Weather
8.3
Hurricane
7.9
Ice Storm
7.8
Landslide
7.3
Wildfire
6.8
Hail
6.2
Drought
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Horton
7.3
Alabama avg.
6.0
US national avg.
4.5

Live Conditions

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🏠 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: Horton, Alabama

Horton is a town of roughly 6,418 residents in Marshall County, in the interior eastern United States. 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 Horton.

According to FEMA's National Risk Index, Horton carries an overall risk score of 7.3/10, placing it in the high category. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. The area also faces notable exposure to wind and lightning.

Horton's risk score, slightly above the 6.0/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Marshall County, the highest-scoring are tornado, wind, 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, Horton 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 Horton: Tornado preparedness

  • 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.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.

Local Factors for Horton

These city-level factors differentiate Horton from other communities in Marshall County and provide geographic context for its hazard exposure.

Population

6,418

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 34.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

34.1772Β° N, 86.3833Β° W

Marshall 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 Horton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Horton

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.