Flood insurance claims in Choctaw County, Alabama

FEMA records 53 National Flood Insurance Program claims in Choctaw County, Alabama, since 1978, with $562,809 paid in total. The most claims in one year was 8, in 1979 and 1980. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 3.8% of homes in the high-risk flood zone did.

NFIP claims on record53

Total paid$562,809

Claims with a payment41

Homes with NFIP policy0.4%

High-risk zone homes insured3.8%

Residential policies in force27

Claims by year of loss

NFIP claims by year of loss, Choctaw County, Alabama

Paid on claims by year of loss (building, contents and increased cost of compliance), Choctaw County, Alabama

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	8
Hurricane Danny	6
Hurricane Frederic	3
Not a named storm	1
Hurricane Katrina	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
36904	37
36908	7
36916	3
36919	2
36921	2
36912	2

27 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $499,314, contents $63,495, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	521	20	3.8%
All homes	7,576	27	0.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.