Flood Claims Map

Alabama

Flood insurance claims in Shelby County, Alabama

FEMA records 797 National Flood Insurance Program claims in Shelby County, Alabama, since 1979, with $19.2 million paid in total. The year with the most claims was 2021, with 153. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 30.7% of homes in the high-risk flood zone did.

NFIP claims on record797
Total paid$19.2 million
Claims with a payment708
Homes with NFIP policy0.6%
High-risk zone homes insured30.7%
Residential policies in force491

Claims by year of loss

1979: 8919791980: 31981: 01982: 11983: 6419831984: 01985: 01986: 01987: 019871988: 11989: 01990: 961991: 019911992: 11993: 21994: 11995: 419951996: 571997: 31998: 121999: 019992000: 82001: 22002: 132003: 4720032004: 122005: 202006: 22007: 120072008: 02009: 132010: 222011: 320112012: 382013: 12014: 722015: 1420152016: 22017: 132018: 72019: 520192020: 82021: 1532022: 52023: 020232024: 12025: 1153

NFIP claims by year of loss, Shelby County, Alabama

1979: $409,22619791980: $1,1161981: $01982: $01983: $658,03619831984: $01985: $01986: $01987: $019871988: $3,9821989: $01990: $1.8 million1991: $019911992: $13,1241993: $2,2791994: $5,1791995: $1,20519951996: $508,6191997: $5,6841998: $60,7431999: $019992000: $19,5022001: $74,1832002: $180,5862003: $923,39920032004: $136,3082005: $294,1412006: $3,2882007: $020072008: $02009: $156,6962010: $340,4192011: $82120112012: $741,6452013: $20,1692014: $2.2 million2015: $292,61720152016: $2,8802017: $439,9932018: $89,9142019: $9,04220192020: $60,6232021: $9.6 million2022: $62,5312023: $020232024: $21,9172025: $40,083$9.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding73
Not a named storm26
Early winter storms10
Hurricane Ivan8
Hurricane Katrina3
Hurricane Opal3
Tropical Storm Isidore2
Central U.S. April Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
35124610
3500765
3524238
3508017
3524417
351868
350517
352236
351156
350405

488 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $15.1 million, contents $4.1 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone94429030.7%
All homes76,0184910.6%

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

  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.