Flood Claims Map

Alabama

Flood insurance claims in Colbert County, Alabama

FEMA records 144 National Flood Insurance Program claims in Colbert County, Alabama, since 1978, with $1.9 million paid in total. The year with the most claims was 1991, with 20. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 11.4% of homes in the high-risk flood zone did.

NFIP claims on record144
Total paid$1.9 million
Claims with a payment118
Homes with NFIP policy0.3%
High-risk zone homes insured11.4%
Residential policies in force81

Claims by year of loss

1978: 219781979: 41980: 41981: 01982: 019821983: 131984: 21985: 01986: 019861987: 01988: 01989: 01990: 219901991: 201992: 161993: 01994: 119941995: 11996: 11997: 41998: 419981999: 42000: 22001: 22002: 420022003: 22004: 52005: 02006: 020062007: 02008: 32009: 22010: 020102011: 32012: 12013: 02014: 220142015: 22016: 22017: 02018: 220182019: 182020: 52021: 32022: 020222023: 32024: 22025: 22026: 1202620

NFIP claims by year of loss, Colbert County, Alabama

1978: $4,49719781979: $5,5061980: $4,1481981: $01982: $019821983: $44,8891984: $7,1101985: $01986: $019861987: $01988: $01989: $01990: $9,18419901991: $183,9261992: $146,7951993: $01994: $12,56719941995: $13,1101996: $7,0901997: $41,0001998: $58,51319981999: $86,2822000: $68,2142001: $1,4562002: $54,40020022003: $10,7592004: $98,4402005: $02006: $020062007: $02008: $18,4892009: $8,0842010: $020102011: $71,7342012: $3,2442013: $02014: $53,97620142015: $65,6442016: $2,1112017: $02018: $11,47320182019: $592,1512020: $74,8022021: $39,7232022: $020222023: $86,3452024: $1,1652025: $32,5282026: $23,8612026$592,151

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding4
Early winter storms1
Tropical Storm Isidore1
Hurricane Zeta1

ZIP codes with the most claims

ZIP code (as reported)Claims
3566148
3567446
3567228
3566014
356163
356302
356462
356671

102 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.5 million, contents $413,813, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4465111.4%
All homes24,006810.3%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.