Flood Claims Map

Alabama

Flood insurance claims in Madison County, Alabama

FEMA records 785 National Flood Insurance Program claims in Madison County, Alabama, since 1978, with $11.6 million paid in total. The year with the most claims was 1999, with 226. As of 3 August 2026, 2.2% of homes here had an NFIP policy, and 38.4% of homes in the high-risk flood zone did.

NFIP claims on record785
Total paid$11.6 million
Claims with a payment606
Homes with NFIP policy2.2%
High-risk zone homes insured38.4%
Residential policies in force3,053

Claims by year of loss

1978: 219781979: 351980: 61981: 01982: 519821983: 171984: 11985: 01986: 119861987: 11988: 11989: 31990: 4619901991: 271992: 11993: 11994: 919941995: 21996: 21997: 31998: 519981999: 2262000: 92001: 42002: 220022003: 822004: 222005: 52006: 220062007: 32008: 42009: 272010: 1020102011: 232012: 132013: 92014: 320142015: 292016: 82017: 352018: 320182019: 212020: 182021: 252022: 520222023: 182024: 42025: 02026: 72026226

NFIP claims by year of loss, Madison County, Alabama

1978: $019781979: $336,3531980: $28,8391981: $01982: $96919821983: $125,1871984: $01985: $01986: $26519861987: $01988: $4411989: $5,4431990: $680,49719901991: $56,8591992: $01993: $01994: $31,82019941995: $6,8581996: $6,2911997: $3,6701998: $56,51619981999: $3.8 million2000: $12,4842001: $02002: $020022003: $1.3 million2004: $96,3642005: $6,0732006: $1,49420062007: $114,2822008: $18,4662009: $354,1172010: $18,95620102011: $354,0802012: $56,3392013: $154,4092014: $15,74420142015: $468,7522016: $29,9192017: $1.2 million2018: $26,63220182019: $221,4562020: $234,0382021: $342,8322022: $58,40620222023: $1.1 million2024: $84,9012025: $02026: $268,6422026$3.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding46
Early winter storms24
Hurricane Frederic10
Tropical Storm Nicholas5
Hurricane Isaac2
Hurricane Katrina2
Hurricane Ida1

ZIP codes with the most claims

ZIP code (as reported)Claims
35802230
35801107
3576395
3580392
3574130
3575829
3580525
3581025
3576021
3580620

472 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.1 million, contents $2.5 million, increased cost of compliance $15,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,5931,76438.4%
All homes137,5233,0532.2%

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.