Flood Claims Map

Alabama

Flood insurance claims in Houston County, Alabama

FEMA records 195 National Flood Insurance Program claims in Houston County, Alabama, since 1978, with $4.1 million paid in total. The year with the most claims was 2009, with 52. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 27.7% of homes in the high-risk flood zone did.

NFIP claims on record195
Total paid$4.1 million
Claims with a payment163
Homes with NFIP policy0.7%
High-risk zone homes insured27.7%
Residential policies in force312

Claims by year of loss

1978: 319781979: 21980: 01981: 01982: 119821983: 21984: 01985: 11986: 019861987: 01988: 01989: 41990: 119901991: 31992: 01993: 01994: 2519941995: 01996: 01997: 11998: 2619981999: 02000: 02001: 12002: 020022003: 02004: 12005: 22006: 120062007: 42008: 22009: 522010: 220102011: 02012: 12013: 112014: 220142015: 112016: 92017: 12018: 420182019: 12020: 32021: 02022: 120222023: 22024: 142025: 02026: 1202652

NFIP claims by year of loss, Houston County, Alabama

1978: $7,42719781979: $26,0971980: $01981: $01982: $4,39819821983: $33,1951984: $01985: $5721986: $019861987: $01988: $01989: $2,6071990: $16,18619901991: $5,0931992: $01993: $01994: $616,03819941995: $01996: $01997: $27,7831998: $274,71919981999: $02000: $02001: $8562002: $020022003: $02004: $02005: $4,1452006: $128,75620062007: $150,4822008: $3,2112009: $1.5 million2010: $10,10820102011: $02012: $12,2642013: $251,6652014: $12,52520142015: $380,1452016: $122,5772017: $02018: $40,93920182019: $1,4782020: $5,5342021: $02022: $48,54820222023: $6,6082024: $430,7562025: $02026: $10,3912026$1.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding25
Tropical Storm Alberto24
Early winter storms9
Hurricane Frederic2
Hurricane Sally2

ZIP codes with the most claims

ZIP code (as reported)Claims
3630355
3630152
3631922
3634321
3631219
363058
363766
363754
363204
363022

106 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.3 million, contents $867,465, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone71419827.7%
All homes42,8623120.7%

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.