Flood Claims Map

Alabama

Flood insurance claims in Monroe County, Alabama

FEMA records 24 National Flood Insurance Program claims in Monroe County, Alabama, since 1979, with $110,938 paid in total. The year with the most claims was 1990, with 9. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 3.7% of homes in the high-risk flood zone did.

NFIP claims on record24
Total paid$110,938
Claims with a payment17
Homes with NFIP policy0.1%
High-risk zone homes insured3.7%
Residential policies in force8

Claims by year of loss

1979: 419791980: 31981: 01982: 019821983: 11984: 01985: 119851986: 01987: 01988: 019881989: 01990: 91991: 019911992: 01993: 01994: 019941995: 01996: 01997: 019971998: 01999: 02000: 020002001: 02002: 02003: 020032004: 22005: 22006: 020062007: 02008: 02009: 020092010: 02011: 02012: 020122013: 12014: 02015: 020152016: 19

NFIP claims by year of loss, Monroe County, Alabama

1979: $9,04219791980: $17,1591981: $01982: $019821983: $01984: $01985: $019851986: $01987: $01988: $019881989: $01990: $52,2631991: $019911992: $01993: $01994: $019941995: $01996: $01997: $019971998: $01999: $02000: $020002001: $02002: $02003: $020032004: $19,3552005: $7,0592006: $020062007: $02008: $02009: $020092010: $02011: $02012: $020122013: $6,0592014: $02015: $020152016: $0$52,263

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ivan2
Hurricane Katrina1
Early winter storms1
Hurricane Elena1
Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
364447
364607
364615
364805

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $97,491, contents $13,447, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone18873.7%
All homes9,19480.1%

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.