Flood insurance claims in Lauderdale County, Alabama

FEMA records 141 National Flood Insurance Program claims in Lauderdale County, Alabama, since 1978, with $1.4 million paid in total. The year with the most claims was 2003, with 27. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 10.0% of homes in the high-risk flood zone did.

NFIP claims on record141

Total paid$1.4 million

Claims with a payment109

Homes with NFIP policy0.3%

High-risk zone homes insured10.0%

Residential policies in force128

Claims by year of loss

NFIP claims by year of loss, Lauderdale County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	2
Hurricane Frederic	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
35634	72
35630	44
35633	10
35645	8
35677	6
35652	1

105 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.1 million, contents $289,797, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	824	82	10.0%
All homes	39,628	128	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.