Flood risk in Alabama
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
57
of 63 reporting
Total NFIP claims
4,294
Total claims paid
$106,646,093
Active policies
4,670
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Baldwin County25.33 / 1k
- 2.Greene County5.92 / 1k
- 3.Mobile County3.58 / 1k
- 4.Escambia County2.53 / 1k
- 5.Pickens County2.40 / 1k
- 6.Coffee County2.36 / 1k
- 7.Hale County2.22 / 1k
- 8.Shelby County2.11 / 1k
- 9.Jefferson County1.59 / 1k
- 10.Choctaw County1.34 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Pike County0.00 / 1k
- 2.Tallapoosa County0.06 / 1k
- 3.Chilton County0.12 / 1k
- 4.Covington County0.14 / 1k
- 5.Franklin County0.18 / 1k
- 6.Lee County0.23 / 1k
- 7.Blount County0.23 / 1k
- 8.Marion County0.27 / 1k
- 9.DeKalb County0.27 / 1k
- 10.Limestone County0.34 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- Baldwin County2,300 claims · high
- Mobile County572 claims · moderate
- Jefferson County422 claims · moderate
- Shelby County177 claims · moderate
- Madison County112 claims · low
- Tuscaloosa County73 claims · low
- Montgomery County56 claims · low
- Coffee County48 claims · moderate
- Morgan County33 claims · low
- Escambia County33 claims · moderate
- Houston County28 claims · low
- Talladega County27 claims · low
- Russell County24 claims · moderate
- Colbert County24 claims · moderate
- Calhoun County20 claims · low
- Lauderdale County20 claims · low
- Marshall County19 claims · low
- Dallas County18 claims · moderate
- Pickens County17 claims · moderate
- Etowah County17 claims · low
- Greene County17 claims · moderate
- St. Clair County16 claims · low
- Lee County15 claims · low
- Walker County14 claims · low
- Geneva County13 claims · moderate
- Limestone County13 claims · low
- Cullman County12 claims · low
- Lawrence County12 claims · low
- Elmore County12 claims · low
- Autauga County12 claims · low
- Hale County12 claims · moderate
- Jackson County11 claims · low
- Cherokee County8 claims · low
- Clarke County7 claims · low
- DeKalb County7 claims · low
- Choctaw County7 claims · moderate
- Dale County7 claims · low
- Marengo County6 claims · low
- Winston County6 claims · low
- Blount County5 claims · low
- Chambers County5 claims · low
- Barbour County4 claims · low
- Bibb County4 claims · low
- Sumter County3 claims · low
- Washington County3 claims · low
- Macon County3 claims · low
- Marion County3 claims · low
- Henry County2 claims · low
- Coosa County2 claims · low
- Lowndes County2 claims · low
- Covington County2 claims · low
- Chilton County2 claims · low
- Wilcox County2 claims · low
- Franklin County2 claims · low
- Butler County1 claims · low
- Tallapoosa County1 claims · low
- Monroe County1 claims · low
- Crenshaw County0 claims · low
- County0 claims · low
- Bullock County0 claims · low
- Pike County0 claims · low
- Conecuh County0 claims · low
- Randolph County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.