NOAA STORM DATABASE

Alabama Severe Weather & Home Insurance Context

Recent official NOAA Storm Events records summarized for insurance-cost research.

NOAA events8,446

Recorded property damage$122,936,500

Modeled insurance benchmark$1,818

Most common recorded event types

Thunderstorm Wind (4,601), Hail (799), Flash Flood (544), Tornado (509), Drought (498), Heat (342), Excessive Heat (194), Frost/Freeze (190)

Storm-event counts and FEMA risk scores are not insurance claims and should not be interpreted as a direct carrier pricing formula.