🌍 ClimateRiskCheck

Natural Disaster Risk in Moody

Alabama

6.3out of 10
High Risk

Risk Summary for Moody

Moody scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Landslide Earthquake

All 18 Hazard Scores

Tornado
9.3
Landslide
8.7
Earthquake
7.8
Strong Wind
7.7
Wildfire
7.5
Extreme Heat
7.5
Lightning
7.4
Hurricane
7.1
Cold Wave
6.7
Tsunami
5.4
Drought
5.1
Volcanic Activity
5.1
Ice Storm
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hail
3.9
Winter Weather
2.8
Riverine Flooding
1.0

How it compares

Moody
6.3
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: Moody, Alabama

Moody, in St. Clair County, is a city of approximately 12,155 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 Moody residents and property owners must navigate.

According to FEMA's National Risk Index, Moody carries an overall risk score of 6.3/10, placing it in the high category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to landslide and earthquake.

Within Alabama, Moody's risk is, near the 6.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of St. Clair County identifies tornado as the foremost hazard, followed by landslide 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, Moody 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 Moody: 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 Moody

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

Population

12,155

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 33.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.5/10

Coordinates

33.6037Β° N, 86.4933Β° W

St. Clair 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 Moody

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Moody

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.