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A

Houston, AL

Flood Risk Score: 20/100 · Rank #190 of 3,277 counties

Houston County in Alabama has 13 FEMA disaster declarations on record covering 1979–2024, most recently Hurricane Helene on Sep 26, 2024 (DR-3618). Its flood risk grade is A (Low risk), ranking #190 of 3,277 U.S. counties, with 7 NFIP flood insurance claims totaling $188,185 in payouts. Flood risk is relatively low compared to the national average.

20
Risk Score
7
NFIP Claims
$188,185
Total Payouts
13
Disasters
$26,884
Avg Claim
7
Active Policies

FEMA Disaster Declarations in Houston County

The 13 most recent federally declared disasters affecting Houston County, AL (1979–2024). Total declarations on record: 13.

DeclaredIncident TypeTitleFEMA Disaster #
Sep 26, 2024HurricaneHurricane HeleneDR-3618
Sep 20, 2020HurricaneHurricane SallyDR-4563
Sep 14, 2020HurricaneHurricane SallyDR-3545
Nov 5, 2018HurricaneHurricane MichaelDR-4406
Oct 12, 2018HurricaneHurricane MichaelDR-3407
Oct 8, 2017HurricaneHurricane NateDR-3394
Sep 11, 2017HurricaneHurricane IrmaDR-3389
Aug 30, 2008HurricaneHurricane GustavDR-3292
Sep 10, 2005HurricaneHurricane Katrina EvacuationDR-3237
Jul 10, 2005HurricaneHurricane DennisDR-1593
Sep 15, 2004HurricaneHurricane IvanDR-1549
Oct 4, 1995HurricaneHurricane OpalDR-1070
Apr 18, 1979FloodStorms, Wind, FloodingDR-578

Score Breakdown

The composite score of 20 is calculated from four weighted factors. See our methodology for details.

Claims Density
40%
0
Disaster Frequency
25%
28
Claim Severity
20%
0
Year-over-Year Trend
15%
88

Other Counties in Alabama

CountyGradeScoreClaimsDisasters
JeffersonB217614
ShelbyB212911
TuscaloosaB211211
MontgomeryB221812
ChoctawA17217
ClarkeA17017
View All Counties in Alabama

Frequently Asked Questions

How many FEMA disaster declarations does Houston County, AL have?

Houston County, AL has 13 federal disaster declarations on FEMA record (1979–2024). The 5 most recent are: Hurricane Helene (declared Sep 26, 2024, DR-3618); Hurricane Sally (declared Sep 20, 2020, DR-4563); Hurricane Sally (declared Sep 14, 2020, DR-3545); Hurricane Michael (declared Nov 5, 2018, DR-4406); Hurricane Michael (declared Oct 12, 2018, DR-3407). Counts include flood, severe storm, hurricane, and coastal storm declarations from the OpenFEMA DisasterDeclarationsSummaries dataset.

What is the flood risk grade for Houston County, AL?

Houston County is graded A (composite score 20/100, low risk). It ranks #190 of 3,277 U.S. counties for flood risk in our scoring model. The grade combines NFIP claims density (40%), disaster frequency (25%), claim severity (20%), and year-over-year trend (15%).

How many NFIP flood insurance claims have been filed in Houston County?

7 NFIP flood insurance claims have been filed in Houston County, AL, totaling $188,185 in payouts. The average claim is $26,884. Source: FEMA FimaNfipClaims v2 dataset.

Has Houston County, AL had any recent flood disasters?

Yes. The most recent FEMA declaration affecting Houston County was Hurricane Helene on Sep 26, 2024 (DR-3618). The county has 13 declared disasters in the OpenFEMA record covering 1979–2024.

this entity is one of the data points covered by this site’s U.S. flood risk, NFIP claims, and disaster declarations dataset. The detail above comes directly from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims; the context that follows situates the headline numbers against the broader distribution across U.S. ZIPs, counties, and states.

Every number on this page links back to FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims; the methodology page describes the inputs, refresh cadence, and known limitations of the underlying data product.

Practical use of this page is in combination with the comparison and ranking pages elsewhere on the site, which surface the same data for this entity’s peers within U.S. ZIPs, counties, and states. A single-entity reading without peer context can be misleading when an entity is an outlier on one axis but typical on another.

Source: FEMA OpenFEMA datasets, 2026.