Natural Disaster Risk in Theodore
Alabama
Risk Summary for Theodore
Theodore scores 8.3/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
High-risk area β review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Theodore, Alabama
Theodore is a city of approximately 23,705 residents in Mobile County, in the Deep South. 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 Theodore.
According to FEMA's National Risk Index, Theodore carries an overall risk score of 8.3/10, placing it in the very high category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to coastal flood and lightning.
Theodore's risk score, considerably 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 Mobile County, the highest-scoring are hurricane, coastal flood, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Given Theodore's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.
What this means for Theodore: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- 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.
Local Factors for Theodore
These city-level factors differentiate Theodore from other communities in Mobile County and provide geographic context for its hazard exposure.
Population
23,705
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
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: 9.4/10
Coordinates
30.5162Β° N, 88.1772Β° W
Mobile 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 Theodore
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Theodore
Other cities in Alabama
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.