Flood insurance claims in Etowah County, Alabama

FEMA records 129 National Flood Insurance Program claims in Etowah County, Alabama, since 1979, with $815,060 paid in total. The year with the most claims was 2004, with 19. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 25.2% of homes in the high-risk flood zone did.

NFIP claims on record129

Total paid$815,060

Claims with a payment94

Homes with NFIP policy0.5%

High-risk zone homes insured25.2%

Residential policies in force212

Claims by year of loss

NFIP claims by year of loss, Etowah County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early winter storms	6
Not a named storm	5
Hurricane Frederic	5
Hurricane Elena	2
Hurricane Opal	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
35901	32
35906	29
35954	24
35904	22
35903	14
35905	5
35907	3

70 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $678,036, contents $137,024, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	695	175	25.2%
All homes	42,119	212	0.5%

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

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.