Flood Claims Map

Alabama

Flood insurance claims in Escambia County, Alabama

FEMA records 384 National Flood Insurance Program claims in Escambia County, Alabama, since 1978, with $13.8 million paid in total. The year with the most claims was 1998, with 126. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 10.1% of homes in the high-risk flood zone did.

NFIP claims on record384
Total paid$13.8 million
Claims with a payment305
Homes with NFIP policy0.5%
High-risk zone homes insured10.1%
Residential policies in force86

Claims by year of loss

1978: 1019781979: 111980: 31981: 31982: 019821983: 21984: 01985: 41986: 219861987: 11988: 01989: 31990: 3019901991: 01992: 01993: 11994: 119941995: 201996: 21997: 21998: 12619981999: 02000: 02001: 12002: 020022003: 22004: 212005: 02006: 020062007: 02008: 52009: 782010: 220102011: 02012: 02013: 32014: 120142015: 02016: 12017: 22018: 020182019: 02020: 392021: 42022: 020222023: 02024: 02025: 4126

NFIP claims by year of loss, Escambia County, Alabama

1978: $12,26819781979: $152,7771980: $4,5071981: $33,8451982: $019821983: $2,3071984: $01985: $8,7991986: $5,70319861987: $4511988: $01989: $2,4631990: $790,30519901991: $01992: $01993: $1,5321994: $3,48519941995: $182,3401996: $3,1511997: $01998: $6.1 million19981999: $02000: $02001: $02002: $020022003: $10,1312004: $322,3632005: $02006: $020062007: $02008: $38,5552009: $3.2 million2010: $2,00520102011: $02012: $02013: $27,5622014: $020142015: $02016: $16,7632017: $1,5782018: $020182019: $02020: $1.8 million2021: $843,1992022: $020222023: $02024: $02025: $160,465$6.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding98
Hurricane Georges51
Hurricane Sally37
Hurricane Ivan20
Hurricane Opal18
Hurricane Frederic10
Central U.S. April Flooding4
Hurricane Ida1

ZIP codes with the most claims

ZIP code (as reported)Claims
36426267
3650296
365048
364275
364414
364202
364211
324261

269 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.6 million, contents $7.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5545610.1%
All homes16,281860.5%

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.