Flood insurance claims in Alabama by county
FEMA records 44,088 NFIP claims in Alabama's counties, with $1.19 billion paid. As of 3 August 2026, 25,579 NFIP residential policies were in force, equal to 1.3% of the state's residential structures.
| Baldwin County | 19,745 | $659.5 million | 9.2% |
| Mobile County | 15,117 | $368.6 million | 3.6% |
| Jefferson County | 2,884 | $47.4 million | 0.5% |
| Shelby County | 797 | $19.2 million | 0.6% |
| Madison County | 785 | $11.6 million | 2.2% |
| Coffee County | 591 | $17.7 million | 0.6% |
| Montgomery County | 417 | $6.7 million | 0.9% |
| Escambia County | 384 | $13.8 million | 0.5% |
| Tuscaloosa County | 298 | $3.4 million | 0.8% |
| Morgan County | 200 | $3.0 million | 0.9% |
| Dallas County | 196 | $2.0 million | 1.1% |
| Houston County | 195 | $4.1 million | 0.7% |
| Geneva County | 154 | $2.8 million | 0.4% |
| Colbert County | 144 | $1.9 million | 0.3% |
| Dale County | 144 | $3.7 million | 0.3% |
| Lauderdale County | 141 | $1.4 million | 0.3% |
| Calhoun County | 129 | $706,258 | 0.6% |
| Etowah County | 129 | $815,060 | 0.5% |
| Pickens County | 116 | $1.2 million | 0.9% |
| Hale County | 115 | $670,842 | 1.0% |
| Greene County | 111 | $1.1 million | 1.8% |
| Talladega County | 107 | $2.1 million | 0.9% |
| St. Clair County | 96 | $1.4 million | 0.9% |
| Autauga County | 77 | $1.4 million | 0.9% |
| Jackson County | 69 | $664,062 | 0.5% |
| Elmore County | 66 | $1.1 million | 1.1% |
| Walker County | 65 | $686,045 | 0.2% |
| Lee County | 62 | $511,007 | 0.5% |
| Russell County | 60 | $1.1 million | 0.3% |
| Limestone County | 59 | $670,826 | 0.6% |
| Choctaw County | 53 | $562,809 | 0.4% |
| Lawrence County | 46 | $792,486 | 0.4% |
| Marshall County | 41 | $1.0 million | 0.2% |
| DeKalb County | 40 | $1.0 million | 0.2% |
| Marengo County | 40 | $186,508 | 0.8% |
| Covington County | 37 | $396,563 | 0.5% |
| Barbour County | 34 | $694,851 | 0.3% |
| Clarke County | 31 | $894,585 | 0.3% |
| Cullman County | 30 | $563,596 | 0.2% |
| Blount County | 27 | $813,740 | 0.1% |
| Cherokee County | 27 | $386,576 | 1.3% |
| Chambers County | 24 | $921,468 | 0.2% |
| Monroe County | 24 | $110,938 | 0.1% |
| Wilcox County | 21 | $124,097 | 0.8% |
| Henry County | 19 | $466,508 | 0.3% |
| Sumter County | 17 | $257,159 | 0.6% |
| Washington County | 15 | $114,716 | 0.1% |
| Lamar County | 14 | $66,572 | 0.2% |
| Bibb County | 12 | $32,985 | 0.2% |
| Lowndes County | 11 | $126,452 | 1.6% |
| Marion County | 11 | $169,535 | 0.2% |
| Winston County | 11 | $129,638 | 0.2% |
| Chilton County | 10 | $78,492 | 0.1% |
| Coosa County | 10 | $186,064 | 0.3% |
| Tallapoosa County | 6 | $57,533 | 0.4% |
| Macon County | 5 | $55,962 | 0.2% |
| Franklin County | 4 | $52,093 | 0.1% |
| Bullock County | 3 | $62,115 | 0.1% |
| Butler County | 3 | $9,900 | 0.0% |
| Conecuh County | 3 | $62,490 | 0.1% |
| Crenshaw County | 2 | $0 | 0.0% |
| Perry County | 2 | $7,315 | 0.0% |
| Clay County | 1 | $0 | 0.0% |
| Randolph County | 1 | $15,829 | 0.1% |
| Cleburne County | 0 | $0 | 0.0% |
| Fayette County | 0 | $0 | 0.2% |
| Pike County | 0 | $0 | 0.1% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.