Flood insurance claims in Hale County, Alabama

FEMA records 115 National Flood Insurance Program claims in Hale County, Alabama, since 1978, with $670,842 paid in total. The year with the most claims was 1980, with 19. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 7.1% of homes in the high-risk flood zone did.

NFIP claims on record115

Total paid$670,842

Claims with a payment85

Homes with NFIP policy1.0%

High-risk zone homes insured7.1%

Residential policies in force63

Claims by year of loss

NFIP claims by year of loss, Hale County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early winter storms	7
Flooding	4
Mid-spring storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
35441	64
36744	16
35474	15
36776	5
36765	3
35411	1

62 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $541,648, contents $129,194, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	830	59	7.1%
All homes	6,511	63	1.0%

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.