Natural disaster risk in Cullman County, Alabama
Alabama · population 87,660 · FIPS 01043
Overall: relatively moderate risk
Cullman County has a composite risk score of 81.9 out of 100 — higher than 81% of US counties. It ranks 19 of 67 in Alabama (1 = highest risk). Its highest-rated hazards are cold wave, strong wind, lightning.
Drought now: No, but abnormally dry (D0)
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 46.58% of Cullman County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 4 weeks in a row.
Drought in Cullman County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Relatively moderate 81.9 |
| Expected annual loss About $34.8 million a year, on average, across all 18 hazards. |
Relatively low 76.4 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively high 75.7 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively low 33.7 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Cullman County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Cold wave | Relatively high 93 |
| Strong wind | Relatively high 93 |
| Lightning | Relatively high 85 |
| Tornado | Relatively moderate 90 |
| Heat wave | Relatively moderate 82 |
| Inland (riverine) flooding | Relatively moderate 80 |
| Ice storm | Relatively moderate 62 |
| Earthquake | Relatively low 86 |
| Landslide | Relatively low 79 |
| Hurricane | Relatively low 72 |
| Wildfire | Relatively low 65 |
| Drought | Relatively low 59 |
| Winter weather | Relatively low 54 |
| Hail | Relatively low 38 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Cullman County
Federal declarations that designated Cullman County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Cullman County has been named in 1 FEMA declaration since 1 Jan 2024. The latest is EM-3618-AL (Hurricane Helene), declared 26 Sep 2024.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| EM-3618-AL | Emergency | Hurricane Helene | 26 Sep 2024 | No |
All FEMA declarations in Alabama, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Cullman County, Alabama?
FEMA's National Risk Index rates the overall risk in Cullman County as relatively moderate, with a score of 81.9 out of 100 (higher than 81% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Cullman County?
The hazards rated highest for Cullman County are cold wave (relatively high), strong wind (relatively high), lightning (relatively high).
What is the flood risk in Cullman County?
FEMA rates inland (river and rain) flooding risk in Cullman County as relatively moderate. For a specific property, check the FEMA flood map and your local floodplain office.
Has Cullman County had a FEMA disaster declaration?
Yes. Cullman County has been named in 1 FEMA declaration since 1 Jan 2024. The latest is EM-3618-AL (Hurricane Helene), declared 26 Sep 2024.
Is Cullman County in a drought?
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 46.58% of Cullman County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 4 weeks in a row.
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