Natural Disaster Risk — ZIP Code 35643
Hillsboro, Alabama
Risk Summary for ZIP 35643
ZIP 35643 scores 6.1/10 (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: ZIP 35643, Alabama
ZIP 35643 covers part of the Hillsboro area, in the interior eastern United States. The surrounding region experiences hot, humid summers and mild winters typical of the Deep South, with an active spring tornado season shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 35643's composite natural disaster risk at 6.1 out of 10 — high risk. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Residents should also account for lightning and earthquake risk in their preparedness planning.
ZIP 35643's risk score, near the 6.0/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are tornado, lightning, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 35643'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 ZIP 35643: Tornado preparedness
- 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.
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
Risk for the surrounding area
Local Factors for ZIP 35643
These city-level factors differentiate ZIP 35643 from other communities in Alabama County and provide geographic context for its hazard exposure.
Population
3,101
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 34.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.1/10
Coordinates
34.6688° N, 87.2071° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 35643
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Alabama
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.