Flood insurance claims in Limestone County, Alabama

FEMA records 59 National Flood Insurance Program claims in Limestone County, Alabama, since 1979, with $670,826 paid in total. The year with the most claims was 2003, with 11. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 19.1% of homes in the high-risk flood zone did.

NFIP claims on record59

Total paid$670,826

Claims with a payment45

Homes with NFIP policy0.6%

High-risk zone homes insured19.1%

Residential policies in force218

Claims by year of loss

NFIP claims by year of loss, Limestone County, Alabama

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early winter storms	5
Flooding	3
Tropical Storm Nicholas	2
Hurricane Frederic	1
Hurricane Katrina	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
35611	21
35613	11
35739	5
35749	5
35758	4
35742	3
35756	3
35620	2
35773	2
35614	1

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $589,489, contents $81,337, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	451	86	19.1%
All homes	36,523	218	0.6%

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.