Flood history / Alabama
Alabama
flood claim history.
Across the 52 Alabama ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $1.1B on 37,262 claims between 1978 and 2026. ZIP 36542 in Baldwin County carries the most at 9,454, 25.4% of the state total shown here.
The events driving the most paid claims across these ZIPs are Hurricane Ivan (6,394 claims), Hurricane Katrina (5,319 claims) and Hurricane Georges (4,224 claims).
18.5% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Alabama ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 36542 | Baldwin County | 9,454 | $217.9M | 2004 2,848 |
| 36528 | Mobile County | 5,008 | $111.8M | 2005 1,178 |
| 36561 | Baldwin County | 4,779 | $255.0M | 2004 1,728 |
| 36605 | Mobile County | 1,979 | $55.1M | 2005 755 |
| 36532 | Baldwin County | 1,297 | $36.1M | 2005 388 |
| 36582 | Mobile County | 888 | $25.6M | 2005 342 |
| 36535 | Baldwin County | 714 | $31.0M | 2020 224 |
| 36530 | Baldwin County | 693 | $32.1M | 2020 253 |
| 36523 | Mobile County | 660 | $15.9M | 2005 263 |
| 36509 | Mobile County | 647 | $32.7M | 2005 248 |
| 36603 | Mobile County | 618 | $13.9M | 1981 171 |
| 35124 | Shelby County | 612 | $14.4M | 2021 108 |
| 36608 | Mobile County | 579 | $7.3M | 1998 152 |
| 36606 | Mobile County | 561 | $5.6M | 1981 214 |
| 36607 | Mobile County | 543 | $8.2M | 1981 221 |
| 36564 | Baldwin County | 516 | $23.3M | 2005 198 |
| 36323 | Coffee County | 509 | $16.6M | 1998 318 |
| 36619 | Mobile County | 487 | $24.7M | 2005 244 |
| 36571 | Mobile County | 462 | $4.1M | 1998 85 |
| 35020 | Jefferson County | 368 | $4.6M | 2011 114 |
| 36617 | Mobile County | 348 | $5.2M | 1981 153 |
| 36693 | Mobile County | 329 | $10.3M | 2005 81 |
| 36547 | Baldwin County | 298 | $5.5M | 1979 181 |
| 36580 | Baldwin County | 277 | $9.3M | 2014 83 |
| 36426 | Escambia County | 268 | $11.8M | 1998 103 |
| 36526 | Baldwin County | 265 | $6.1M | 2005 60 |
| 36555 | Baldwin County | 250 | $8.3M | 2004 54 |
| 35215 | Jefferson County | 249 | $2.7M | 2003 74 |
| 36609 | Mobile County | 247 | $2.8M | 1979 65 |
| 35213 | Jefferson County | 239 | $3.0M | 1999 51 |
| 35802 | Madison County | 230 | $3.7M | 1999 178 |
| 36610 | Mobile County | 221 | $3.5M | 1998 56 |
| 36611 | Mobile County | 220 | $5.6M | 2005 74 |
| 35234 | Jefferson County | 182 | $2.1M | 1979 71 |
| 36549 | Baldwin County | 179 | $3.2M | 2004 52 |
| 36602 | Mobile County | 179 | $13.3M | 2005 75 |
| 36574 | Baldwin County | 147 | $8.4M | 2020 47 |
| 35023 | Jefferson County | 144 | $1.5M | 1983 39 |
| 35206 | Jefferson County | 138 | $1.6M | 2003 49 |
| 36340 | Geneva County | 128 | $1.6M | 1998 32 |
| 35209 | Jefferson County | 124 | $3.9M | 2014 35 |
| 35216 | Jefferson County | 124 | $4.1M | 2021 31 |
| 35226 | Jefferson County | 124 | $2.3M | 2021 28 |
| 36604 | Mobile County | 124 | $1.5M | 1979 30 |
| 36701 | Dallas County | 113 | $1.4M | 1990 54 |
| 35228 | Jefferson County | 111 | $811K | 2011 22 |
| 36572 | Mobile County | 110 | $1.4M | 1980 21 |
| 35801 | Madison County | 108 | $1.5M | 2003 31 |
| 36527 | Baldwin County | 104 | $5.1M | 2005 23 |
| 35405 | Tuscaloosa County | 103 | $1.5M | 2021 24 |
| 36502 | Escambia County | 103 | $1.4M | 1998 18 |
| 35243 | Jefferson County | 102 | $2.0M | 2021 18 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.