Flood Claims Map

Alabama

Flood insurance claims in Talladega County, Alabama

FEMA records 107 National Flood Insurance Program claims in Talladega County, Alabama, since 1979, with $2.1 million paid in total. The most claims in one year was 13, in 2003 and 2013. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 14.2% of homes in the high-risk flood zone did.

NFIP claims on record107
Total paid$2.1 million
Claims with a payment70
Homes with NFIP policy0.9%
High-risk zone homes insured14.2%
Residential policies in force310

Claims by year of loss

1979: 319791980: 21981: 01982: 41983: 519831984: 01985: 01986: 01987: 019871988: 21989: 01990: 41991: 119911992: 01993: 01994: 01995: 419951996: 21997: 01998: 11999: 019992000: 22001: 12002: 12003: 1320032004: 22005: 02006: 12007: 020072008: 02009: 72010: 32011: 020112012: 02013: 132014: 32015: 520152016: 02017: 02018: 12019: 320192020: 42021: 22022: 112023: 020232024: 02025: 713

NFIP claims by year of loss, Talladega County, Alabama

1979: $53,83019791980: $5,2781981: $01982: $4,9871983: $2,62319831984: $01985: $01986: $01987: $019871988: $2,4391989: $01990: $6,1031991: $88219911992: $01993: $01994: $01995: $17,05019951996: $01997: $01998: $01999: $019992000: $02001: $1872002: $02003: $88,26920032004: $2072005: $02006: $02007: $020072008: $02009: $430,3942010: $29,4562011: $020112012: $02013: $332,0212014: $10,2142015: $40,88220152016: $02017: $02018: $26,0002019: $020192020: $53,5212021: $80,2952022: $566,9472023: $020232024: $02025: $340,985$566,947

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

Named flood events with the most claims

Event (FEMA name)Claims
Early winter storms4
Hurricane Ivan2
Hurricane Opal2
Flooding2
Hurricane Zeta1
Tropical Storm Claudette1

ZIP codes with the most claims

ZIP code (as reported)Claims
3516040
3515029
3504412
350969
351516
362035
350144
362682

64 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.9 million, contents $233,815, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,75824914.2%
All homes33,5203100.9%

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.