Flood insurance claims in Henry County, Alabama

FEMA records 19 National Flood Insurance Program claims in Henry County, Alabama, since 1990, with $466,508 paid in total. The year with the most claims was 1998, with 7. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 10.3% of homes in the high-risk flood zone did.

NFIP claims on record19

Total paid$466,508

Claims with a payment13

Homes with NFIP policy0.3%

High-risk zone homes insured10.3%

Residential policies in force28

Claims by year of loss

NFIP claims by year of loss, Henry County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	7
Tropical Storm Alberto	5

ZIP codes with the most claims

ZIP code (as reported)	Claims
36319	7
36310	7
36345	5

12 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $360,561, contents $105,947, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	174	18	10.3%
All homes	8,778	28	0.3%

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.