Flood insurance claims in Lawrence County, Alabama

FEMA records 46 National Flood Insurance Program claims in Lawrence County, Alabama, since 1983, with $792,486 paid in total. The most claims in one year was 7, in 2011 and 2015. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 14.4% of homes in the high-risk flood zone did.

NFIP claims on record46

Total paid$792,486

Claims with a payment40

Homes with NFIP policy0.4%

High-risk zone homes insured14.4%

Residential policies in force58

Claims by year of loss

NFIP claims by year of loss, Lawrence County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early winter storms	6
Flooding	3
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
35650	16
35618	16
35672	7
35651	4
35643	1

28 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $669,018, contents $123,467, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	348	50	14.4%
All homes	14,385	58	0.4%

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.