Flood insurance claims in Clarke County, Alabama

FEMA records 31 National Flood Insurance Program claims in Clarke County, Alabama, since 1979, with $894,585 paid in total. The year with the most claims was 2018, with 10. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 19.8% of homes in the high-risk flood zone did.

NFIP claims on record31

Total paid$894,585

Claims with a payment27

Homes with NFIP policy0.3%

High-risk zone homes insured19.8%

Residential policies in force28

Claims by year of loss

NFIP claims by year of loss, Clarke County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Frederic	5
Hurricane Georges	3
Hurricane Ivan	2
Flooding	2
Hurricane Katrina	1
Hurricane Opal	1
Not a named storm	1
Hurricane Danny	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
36545	17
36446	7
36451	3
36501	2
36784	1
36540	1

20 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $724,209, contents $170,376, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	116	23	19.8%
All homes	9,602	28	0.3%

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.