Natural Disaster Risk — ZIP Code 36560
Mount Vernon, Alabama
Risk Summary for ZIP 36560
ZIP 36560 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
🏠 What this means for insurance
High-risk area — 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: ZIP 36560, Alabama
ZIP 36560 in Mount Vernon 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 36560 carries an overall risk score of 8.3/10, placing it in the very high 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 lightning.
Within Alabama, ZIP 36560's risk is, considerably above the 6.0/10 state average. Nationally, it ranks well 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 lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Given ZIP 36560'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 ZIP 36560: Hurricane preparedness
- 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.
- Know your evacuation zone and route before hurricane season begins each June.
Risk for the surrounding area
Local Factors for ZIP 36560
These city-level factors differentiate ZIP 36560 from other communities in Alabama County and provide geographic context for its hazard exposure.
Population
2,858
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 31.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.4/10
Coordinates
31.0855° N, 88.0499° 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 36560
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.