Natural Disaster Risk — ZIP Code 35096

Lincoln, Alabama

6.8out of 10

High Risk

Risk Summary for ZIP 35096

Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.

Top Hazards

Tornado Cold Wave Extreme Heat

All 18 Hazard Scores

Tornado

9.5

Cold Wave

9.1

Extreme Heat

8.4

Hurricane

8.3

Strong Wind

8.3

Wildfire

8.2

Earthquake

8.1

Lightning

7.3

Landslide

7.1

Drought

6.2

Ice Storm

6.0

Hail

5.8

Tsunami

5.4

Volcanic Activity

5.1

Coastal Flooding

4.9

Avalanche

4.5

Winter Weather

3.0

Riverine Flooding

1.0

How it compares

ZIP 35096

6.8

Alabama avg.

6.0

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 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.

Other cities in Alabama

Birmingham7.1/10 Montgomery6.9/10 Mobile8.3/10 Madison7.4/10 Tuscaloosa7.3/10 Auburn6.7/10 Foley7.7/10 Enterprise6.4/10

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.