🌍 ClimateRiskCheck

Natural Disaster Risk in Summerdale

Alabama

7.7out of 10
High Risk

Risk Summary for Summerdale

Summerdale scores 7.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Lightning Coastal Flooding

All 18 Hazard Scores

Hurricane
9.9
Lightning
9.9
Coastal Flooding
9.8
Tornado
9.4
Extreme Heat
9.3
Wildfire
9.2
Strong Wind
8.7
Cold Wave
8.3
Drought
7.8
Earthquake
7.6
Landslide
6.9
Hail
6.8
Winter Weather
6.4
Ice Storm
5.7
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Summerdale
7.7
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: Summerdale, Alabama

Located in the Deep South in Baldwin County, Summerdale is a town of roughly 6,638 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 Summerdale a community where hazard awareness has real practical value.

FEMA rates Summerdale's composite natural disaster risk at 7.7 out of 10 β€” high risk. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. Residents should also account for lightning and coastal flood risk in their preparedness planning.

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

Summerdale'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 Summerdale: 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 Summerdale

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

Population

6,638

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 30.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.2/10

Coordinates

30.4809Β° N, 87.7032Β° W

Baldwin 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 Summerdale

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Summerdale

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.