Natural Disaster Risk — ZIP Code 36548

Natural Hazard Profile: ZIP 36548, Alabama

ZIP 36548 in Leroy sits in the Deep South. Its humid subtropical climate produces hot, humid summers and mild winters typical of the Deep South, and notably an active spring tornado season. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 36548 carries an overall risk score of 5.6/10, placing it in the moderate category. 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. The area also faces notable exposure to coastal flood and tornado.

Within Alabama, ZIP 36548's risk is, slightly below the 6.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Alabama identifies hurricane as the foremost hazard, followed by coastal flood and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 36548's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.