Natural Disaster Risk — ZIP Code 36749
Jones, Alabama
Risk Summary for ZIP 36749
ZIP 36749 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 36749, Alabama
ZIP 36749 in Jones sits in the interior eastern United States. 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 36749 carries an overall risk score of 5.9/10, placing it in the moderate category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to lightning and hurricane.
Within Alabama, ZIP 36749's risk is, near 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 heat as the foremost hazard, followed by lightning and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 36749 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for heat is recommended.
What this means for ZIP 36749: Extreme Heat preparedness
- Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
- Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
- Check on elderly neighbors and never leave children or pets in parked vehicles.
Risk for the surrounding area
Local Factors for ZIP 36749
These city-level factors differentiate ZIP 36749 from other communities in Alabama County and provide geographic context for its hazard exposure.
Population
864
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 32.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 5.2/10
Coordinates
32.5476° N, 86.8530° 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 36749
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.