🌍 ClimateRiskCheck

Natural Disaster Risk in Ozark

Alabama

5.9out of 10
Moderate Risk

Risk Summary for Ozark

Ozark scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Tornado Lightning

All 18 Hazard Scores

Hurricane
9.3
Tornado
8.9
Lightning
8.3
Extreme Heat
7.1
Landslide
6.9
Drought
6.8
Cold Wave
6.8
Earthquake
5.5
Tsunami
5.4
Wildfire
5.1
Volcanic Activity
5.1
Strong Wind
5.0
Coastal Flooding
4.9
Avalanche
4.5
Hail
3.7
Winter Weather
3.7
Ice Storm
3.0
Riverine Flooding
1.0

How it compares

Ozark
5.9
Alabama avg.
6.0
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Ozark, Alabama

Located in the Deep South in Dale County, Ozark is a city of approximately 19,060 residents. The humid subtropical climate that characterizes this part of Alabama β€” marked by hot, humid summers and mild winters typical of the Deep South β€” directly influences the types and severity of natural hazards present, making Ozark a community where hazard awareness has real practical value.

Ozark's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include tornado and lightning.

Relative to other U.S. communities, Ozark's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.0/10 state average. The hazard distribution here is led by hurricane and tornado, as measured by FEMA across Dale County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Ozark residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for Ozark: Hurricane preparedness

  • 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.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.

Local Factors for Ozark

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

Population

19,060

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.1/10

Coordinates

31.4665Β° N, 85.6164Β° W

Dale 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 Ozark

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Ozark

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.