Flood Claims Map

Alabama

Flood insurance claims in Jefferson County, Alabama

FEMA records 2,884 National Flood Insurance Program claims in Jefferson County, Alabama, since 1978, with $47.4 million paid in total. The year with the most claims was 2003, with 311. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 13.1% of homes in the high-risk flood zone did.

NFIP claims on record2,884
Total paid$47.4 million
Claims with a payment2,279
Homes with NFIP policy0.5%
High-risk zone homes insured13.1%
Residential policies in force1,129

Claims by year of loss

1978: 1019781979: 2601980: 301981: 201982: 14219821983: 2601984: 51985: 61986: 119861987: 01988: 51989: 111990: 1519901991: 61992: 41993: 21994: 319941995: 721996: 691997: 81998: 5619981999: 852000: 1282001: 422002: 10120022003: 3112004: 2202005: 372006: 2020062007: 32008: 102009: 362010: 1220102011: 2172012: 112013: 412014: 18020142015: 792016: 42017: 352018: 1820182019: 72020: 532021: 1622022: 5320222023: 132024: 82025: 82026: 52026311

NFIP claims by year of loss, Jefferson County, Alabama

1978: $17,19919781979: $2.0 million1980: $76,2581981: $37,3921982: $279,87319821983: $1.9 million1984: $2,0691985: $8,0621986: $5,37319861987: $01988: $5,3961989: $16,6751990: $76,56119901991: $21,0511992: $14,7611993: $5771994: $4,70919941995: $969,5191996: $395,4421997: $51,0911998: $211,32019981999: $1.6 million2000: $1.7 million2001: $216,7162002: $1.3 million20022003: $7.8 million2004: $2.9 million2005: $509,1472006: $311,18520062007: $16,0022008: $289,1222009: $230,8472010: $23,21520102011: $6.1 million2012: $170,2592013: $509,8562014: $5.3 million20142015: $964,1602016: $22,3062017: $430,7722018: $232,45620182019: $175,1032020: $1.4 million2021: $6.6 million2022: $2.0 million20222023: $467,2502024: $89,6372025: $8,9712026: $28,3522026$7.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding205
Hurricane Ivan117
Hurricane Opal66
Hurricane Frederic66
Early winter storms63
Not a named storm11
Tropical Storm Claudette8
Hurricane Katrina6

ZIP codes with the most claims

ZIP code (as reported)Claims
35020366
35215249
35213239
35234182
35023144
35206138
35209123
35216123
35226120
35228111

1,709 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $36.9 million, contents $10.4 million, increased cost of compliance $126,893.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,59273213.1%
All homes241,9331,1290.5%

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.