Flood insurance claims in Elmore County, Alabama

FEMA records 66 National Flood Insurance Program claims in Elmore County, Alabama, since 1978, with $1.1 million paid in total. The year with the most claims was 2009, with 15. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 32.5% of homes in the high-risk flood zone did.

NFIP claims on record66

Total paid$1.1 million

Claims with a payment44

Homes with NFIP policy1.1%

High-risk zone homes insured32.5%

Residential policies in force311

Claims by year of loss

NFIP claims by year of loss, Elmore County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	7
Early winter storms	7
Hurricane Opal	2
Hurricane Ivan	1
Hurricane Danny	1
Tropical Storm Alberto	1
Hurricane Frederic	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
36054	24
36092	16
36066	6
36093	5
36080	5
36022	3
36020	2
36078	2
36025	1
36024	1

44 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $946,019, contents $145,757, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	720	234	32.5%
All homes	28,938	311	1.1%

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.