Flood Claims Map

Alabama

Flood insurance claims in Franklin County, Alabama

FEMA records 4 National Flood Insurance Program claims in Franklin County, Alabama, since 2015, with $52,093 paid in total. The most claims in one year was 2, in 2015 and 2019. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 6.8% of homes in the high-risk flood zone did.

NFIP claims on record4
Total paid$52,093
Claims with a payment3
Homes with NFIP policy0.1%
High-risk zone homes insured6.8%
Residential policies in force15

Claims by year of loss

2015: 220152016: 020162017: 020172018: 020182019: 220192

NFIP claims by year of loss, Franklin County, Alabama

2015: $7,08220152016: $020162017: $020172018: $020182019: $45,0122019$45,012

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

ZIP codes with the most claims

ZIP code (as reported)Claims
356543
356531

4 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $52,093, contents $0, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone161116.8%
All homes12,941150.1%

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

  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.