Updated April 2026
Flood Risk in Alabama
Alabama has 68 counties with flood risk data, 268 total NFIP flood insurance claims, and an average risk score of 14 out of 100.
68
Counties
268
NFIP Claims
$8,365,196
Total Payouts
14
Avg Risk Score
Grade Distribution
A
66
counties
B
2
counties
C
0
counties
D
0
counties
F
0
counties
Safest in Alabama
| County | Grade | Score |
|---|---|---|
| Poarch Band of Creek Indians | A | 11 |
| Blount | A | 11 |
| Fayette | A | 11 |
| Franklin | A | 11 |
| Lawrence | A | 11 |
All 68 Counties in Alabama
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Mobile | B | 29 | 35 | $1,118,353 | 26 |
| 2 | Baldwin | B | 23 | 149 | $5,028,629 | 25 |
| 3 | Jefferson | A | 18 | 20 | $508,075 | 14 |
| 4 | Choctaw | A | 17 | 0 | $0 | 17 |
| 5 | Clarke | A | 17 | 1 | $70,000 | 17 |
| 6 | Geneva | A | 17 | 1 | $10,390 | 18 |
| 7 | Monroe | A | 16 | 0 | $0 | 16 |
| 8 | Washington | A | 16 | 0 | $0 | 16 |
| 9 | Coffee | A | 16 | 3 | $72,294 | 15 |
| 10 | Conecuh | A | 16 | 0 | $0 | 15 |
| 11 | Covington | A | 16 | 0 | $0 | 16 |
| 12 | Escambia | A | 16 | 6 | $291,014 | 15 |
| 13 | Talladega | A | 15 | 0 | $0 | 14 |
| 14 | Autauga | A | 15 | 0 | $0 | 13 |
| 15 | Butler | A | 15 | 0 | $0 | 14 |
| 16 | Dallas | A | 15 | 2 | $4,704 | 13 |
| 17 | Crenshaw | A | 15 | 0 | $0 | 14 |
| 18 | Houston | A | 15 | 2 | $74,507 | 13 |
| 19 | Dale | A | 15 | 0 | $0 | 13 |
| 20 | Perry | A | 14 | 0 | $0 | 12 |
| 21 | St. Clair | A | 14 | 0 | $0 | 12 |
| 22 | Chilton | A | 14 | 0 | $0 | 12 |
| 23 | Clay | A | 14 | 0 | $0 | 12 |
| 24 | Coosa | A | 14 | 0 | $0 | 12 |
| 25 | Elmore | A | 14 | 0 | $0 | 12 |
| 26 | Hale | A | 14 | 0 | $0 | 12 |
| 27 | Lowndes | A | 14 | 0 | $0 | 12 |
| 28 | Marengo | A | 14 | 1 | $5,533 | 12 |
| 29 | Barbour | A | 14 | 0 | $0 | 12 |
| 30 | Pike | A | 14 | 0 | $0 | 12 |
| 31 | Montgomery | A | 14 | 1 | $0 | 12 |
| 32 | Marshall | A | 13 | 2 | $7,981 | 10 |
| 33 | Shelby | A | 13 | 7 | $183,908 | 11 |
| 34 | Randolph | A | 13 | 0 | $0 | 11 |
| 35 | Wilcox | A | 13 | 0 | $0 | 11 |
| 36 | Henry | A | 13 | 1 | $231,101 | 11 |
| 37 | Pickens | A | 13 | 1 | $25,662 | 10 |
| 38 | Bibb | A | 13 | 0 | $0 | 10 |
| 39 | Bullock | A | 13 | 0 | $0 | 11 |
| 40 | Cleburne | A | 13 | 0 | $0 | 10 |
| 41 | Cullman | A | 13 | 1 | $70,211 | 11 |
| 42 | DeKalb | A | 13 | 0 | $0 | 10 |
| 43 | Etowah | A | 13 | 1 | $10,262 | 10 |
| 44 | Greene | A | 13 | 2 | $68,336 | 10 |
| 45 | Macon | A | 13 | 0 | $0 | 11 |
| 46 | Sumter | A | 13 | 0 | $0 | 11 |
| 47 | Tuscaloosa | A | 13 | 2 | $156,426 | 11 |
| 48 | Jackson | A | 12 | 0 | $0 | 8 |
| 49 | Calhoun | A | 12 | 1 | $0 | 8 |
| 50 | Cherokee | A | 12 | 0 | $0 | 8 |
| 51 | Chambers | A | 12 | 1 | $40,000 | 9 |
| 52 | Colbert | A | 12 | 3 | $28,288 | 8 |
| 53 | Lamar | A | 12 | 0 | $0 | 8 |
| 54 | Lauderdale | A | 12 | 0 | $0 | 8 |
| 55 | Lee | A | 12 | 2 | $12,681 | 9 |
| 56 | Marion | A | 12 | 0 | $0 | 8 |
| 57 | Morgan | A | 12 | 1 | $47,090 | 8 |
| 58 | Russell | A | 12 | 3 | $45,944 | 9 |
| 59 | Tallapoosa | A | 12 | 1 | $27,954 | 9 |
| 60 | Walker | A | 12 | 1 | $2,397 | 8 |
| 61 | Winston | A | 12 | 2 | $9,512 | 9 |
| 62 | Poarch Band of Creek Indians | A | 11 | 0 | $0 | 6 |
| 63 | Blount | A | 11 | 0 | $0 | 7 |
| 64 | Fayette | A | 11 | 0 | $0 | 7 |
| 65 | Franklin | A | 11 | 1 | $12,012 | 7 |
| 66 | Lawrence | A | 11 | 2 | $1,676 | 7 |
| 67 | Limestone | A | 11 | 2 | $22,625 | 7 |
| 68 | Madison | A | 11 | 10 | $177,631 | 7 |