Flood Claims Map

Alabama

Flood insurance claims in St. Clair County, Alabama

FEMA records 96 National Flood Insurance Program claims in St. Clair County, Alabama, since 1979, with $1.4 million paid in total. The year with the most claims was 2003, with 16. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 38.8% of homes in the high-risk flood zone did.

NFIP claims on record96
Total paid$1.4 million
Claims with a payment64
Homes with NFIP policy0.9%
High-risk zone homes insured38.8%
Residential policies in force301

Claims by year of loss

1979: 819791980: 11981: 01982: 11983: 119831984: 01985: 11986: 01987: 019871988: 01989: 01990: 21991: 019911992: 01993: 01994: 01995: 419951996: 11997: 11998: 01999: 119992000: 32001: 12002: 12003: 1620032004: 62005: 32006: 02007: 020072008: 22009: 112010: 02011: 320112012: 12013: 52014: 42015: 820152016: 12017: 02018: 12019: 320192020: 22021: 32022: 02023: 020232024: 116

NFIP claims by year of loss, St. Clair County, Alabama

1979: $13,79219791980: $2381981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $4,6481991: $019911992: $01993: $01994: $01995: $6,42519951996: $8361997: $1,4651998: $01999: $019992000: $13,5712001: $5,9832002: $16,2522003: $168,53820032004: $64,9382005: $117,0422006: $02007: $020072008: $5,7612009: $54,8752010: $02011: $34,32520112012: $02013: $79,8402014: $22,5422015: $109,35020152016: $02017: $02018: $02019: $426,64120192020: $25,2582021: $181,7162022: $02023: $020232024: $23,558$426,641

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

Named flood events with the most claims

Event (FEMA name)Claims
Early winter storms8
Hurricane Opal4
Hurricane Ivan2
Hurricane Dennis1
Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
3505415
3512814
3512514
3500413
3512012
3509410
351467
359535
351355
351731

46 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $199,713, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone65225338.8%
All homes33,5123010.9%

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.