Flood insurance claims in Geneva County, Alabama

FEMA records 154 National Flood Insurance Program claims in Geneva County, Alabama, since 1978, with $2.8 million paid in total. The year with the most claims was 1998, with 52. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 12.3% of homes in the high-risk flood zone did.

NFIP claims on record154

Total paid$2.8 million

Claims with a payment142

Homes with NFIP policy0.4%

High-risk zone homes insured12.3%

Residential policies in force55

Claims by year of loss

NFIP claims by year of loss, Geneva County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	47
Tropical Storm Alberto	30
Hurricane Georges	17
Hurricane Sally	5
Early winter storms	2
Hurricane Opal	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
36340	104
36344	21
36477	19
36318	4
36375	3
36316	1
36305	1

91 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.2 million, contents $531,735, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	260	32	12.3%
All homes	13,082	55	0.4%

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.