riskbycounty
FEMA NRI 1.19.0Updated Nov 2023 · Coverage 2014–2023Methodology

Cherokee County Disaster Risk

Cherokee County, Alabama

FEMA Risk Rating

Relatively Low

National Percentile

63th

of 3,144 counties

State Rank

#35

of 67 (1 = highest risk)

Flood Risk

70th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 70% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively Low

Higher than 68% of US counties

Tornado

Tornado and severe thunderstorm risk

Moderate

Higher than 83% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 73% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 63% of US counties

Risk Overview

About Natural Disaster Risk in Cherokee County, Alabama

Cherokee County Faces Above-Average Risk

Cherokee County's composite risk score of 63.33 exceeds the national average, reflecting genuine multi-hazard exposure across the county. This Relatively Low rating still indicates manageable risk—but higher than most American counties.

Mid-Range Risk for Alabama Standards

At 63.33, Cherokee County slightly exceeds Alabama's state average of 61.54, placing it in the middle tier of state counties. This positioning reflects stronger tornado and earthquake exposure than many neighboring areas.

More Hazardous Than Nearby Chambers County

Cherokee County's 63.33 score substantially exceeds Chambers County's 47.23, though both remain Relatively Low-risk areas. The difference centers on Cherokee's elevated tornado risk (82.95) and earthquake risk (73.44), making it notably more vulnerable to seismic and severe weather events.

Tornadoes Dominate Local Hazard Profile

Tornado risk (82.95) stands as Cherokee County's most acute threat, nearly reaching high-risk thresholds. Earthquake risk (73.44) and flood risk (70.42) round out the county's top three hazards, each requiring distinct preparedness strategies.

Invest in Tornado and Earthquake Protection

Cherokee County homeowners should carry comprehensive insurance covering wind damage, with particular attention to tornado-resistant features and safe rooms. Consider earthquake coverage as well, since seismic risk here substantially exceeds national norms.

Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor

Preparedness Guide

What to Prepare for in Cherokee County

Top Hazards by Exposure

  1. #1
    TornadoPrepare
    83th percentile
  2. #2
    EarthquakePrepare
    73th percentile
  3. #3
    FloodPrepare
    70th percentile

Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)

Risk Advisory: Cherokee County

Risk Verdict

Cherokee County's FEMA risk score places it at the 63th percentile nationally, indicating lower-than-typical exposure for a U.S. county. A moderate composite score often means one or two hazard categories are doing the heavy lifting — knowing which ones matters for preparation.

Hazard Breakdown

Tornado risk is Cherokee County's dominant natural hazard, ranked at the 83th percentile nationally under FEMA's National Risk Index. Earthquake ranks second at the 73th percentile nationally. Additional tracked hazards include flood (70th percentile), wildfire (68th percentile), hurricane (63th percentile).

Preparedness Context

Tornado exposure at the 83th percentile nationally makes Cherokee County a county where a battery-powered weather radio — not just smartphone apps — is a worthwhile household investment, given that mobile networks often fail during severe storms. Earthquake is the second hazard driver for Cherokee County at the 73th percentile nationally, meaning households should maintain awareness of both severe-weather and earthquake-specific warning systems. In Cherokee County, tornado watches indicate favorable atmospheric conditions while warnings mean rotation has been detected — households benefit from understanding this distinction so they shelter immediately on a warning, not after seeking visual confirmation.

Regional Context

Cherokee County sits within 1.8 composite points of the Alabama state average, suggesting the county's hazard exposure is representative of the broader regional pattern.

Is your household prepared for Cherokee County's hazards?

Review FEMA's county-specific preparedness checklists and emergency planning guides.

FEMA Ready Guide →

Frequently Asked Questions

What is the natural disaster risk in Cherokee County, AL?
Cherokee County has a FEMA National Risk Index rating of Relatively Low, placing it in the 63th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Cherokee County?
Cherokee County is evaluated for five major natural hazard types: tornado (83th percentile), earthquake (73th percentile), flooding (70th percentile), wildfire (68th percentile), hurricane (63th percentile). The highest-risk hazard is tornado at the 83th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Cherokee County risk compare to the Alabama average?
Cherokee County's composite risk percentile is 63th, compared to the Alabama state average of 62th percentile. The state's overall risk rating is Relatively Low. This means Cherokee County faces higher natural disaster risk than the typical county in Alabama.
Is Cherokee County at risk for tornado?
Yes, Cherokee County's tornado risk is at the 83th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Cherokee County is at the 70th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is Cherokee County higher risk than average?
Cherokee County's composite risk score of 63th percentile is above the Alabama state average of 62th percentile. This elevated risk is driven by tornado exposure (83th percentile), along with earthquake and flooding and wildfire and hurricane risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.
By Evan Brooks, Data EditorUpdated Reviewed by Evan Brooks, Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.