Natural Disaster Risk in Owens Cross Roads
Alabama
Risk Summary for Owens Cross Roads
Owens Cross Roads scores 7.4/10 (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
🏠 What this means for insurance
Above-average risk — 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: Owens Cross Roads, Alabama
Owens Cross Roads, in Madison County, is a city of approximately 19,819 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 Owens Cross Roads residents and property owners must navigate.
Owens Cross Roads's overall natural disaster risk is rated 7.4/10 (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 wind and cold wave.
Within Alabama, Owens Cross Roads'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 Madison County identifies tornado as the foremost hazard, followed by wind and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Owens Cross Roads's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Owens Cross Roads: 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 — away from windows — as your shelter.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
Local Factors for Owens Cross Roads
These city-level factors differentiate Owens Cross Roads from other communities in Madison County and provide geographic context for its hazard exposure.
Population
19,819
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.4/10
Coordinates
34.6202° N, 86.4661° W
Madison 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 Owens Cross Roads
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Owens Cross Roads
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.