ZIP Codes with Highest Flood Risk in Alabama

Out of 498 ZIP codes with data in Alabama, these are the highest-ranked areas for historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | All Alabama Rankings

Statistic	Value
ZIP codes ranked	498
Highest value	9,454 claims
Median value	7 claims
State	Alabama

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Historical NFIP Claims	Safety Score
1	36542	Gulf Shores	AL	9,454 claims	88/100
2	36528	Dauphin Island	AL	5,008 claims	99/100
3	36561	Orange Beach	AL	4,779 claims	72/100
4	36605	Mobile	AL	1,979 claims	99/100
5	36532	Fairhope	AL	1,297 claims	80/100
6	36582	Theodore	AL	888 claims	97/100
7	36535	Foley	AL	714 claims	100/100
8	36530	Elberta	AL	693 claims	97/100
9	36523	Coden	AL	660 claims	98/100
10	36509	Bayou La Batre	AL	647 claims	98/100
11	36603	Mobile	AL	618 claims	96/100
12	35124	Pelham	AL	612 claims	64/100
13	36608	Mobile	AL	579 claims	83/100
14	36606	Mobile	AL	561 claims	99/100
15	36607	Mobile	AL	543 claims	—
16	36564	Point Clear	AL	516 claims	—
17	36323	Elba	AL	509 claims	—
18	36619	Mobile	AL	487 claims	99/100
19	36571	Saraland	AL	462 claims	76/100
20	35020	Bessemer	AL	368 claims	55/100
21	36617	Mobile	AL	348 claims	—
22	36693	Mobile	AL	329 claims	99/100
23	36547	Gulf Shores	AL	298 claims	—
24	36580	Summerdale	AL	277 claims	100/100
25	36426	Brewton	AL	268 claims	—
26	36526	Daphne	AL	265 claims	78/100
27	36555	Magnolia Springs	AL	250 claims	—
28	35215	Birmingham	AL	249 claims	74/100
29	36609	Mobile	AL	247 claims	—
30	35213	Birmingham	AL	239 claims	57/100
31	35802	Huntsville	AL	230 claims	50/100
32	36610	Mobile	AL	221 claims	96/100
33	36611	Mobile	AL	220 claims	95/100
34	35234	Birmingham	AL	182 claims	74/100
35	36549	Lillian	AL	179 claims	97/100
36	36602	Mobile	AL	179 claims	—
37	36574	Seminole	AL	147 claims	100/100
38	35023	Bessemer	AL	144 claims	51/100
39	35206	Birmingham	AL	138 claims	74/100
40	36340	Geneva	AL	128 claims	—
41	35209	Birmingham	AL	124 claims	74/100
42	35216	Birmingham	AL	124 claims	74/100
43	35226	Birmingham	AL	124 claims	71/100
44	36604	Mobile	AL	124 claims	99/100
45	36701	Selma	AL	113 claims	—
46	35228	Birmingham	AL	111 claims	71/100
47	36572	Satsuma	AL	110 claims	80/100
48	35801	Huntsville	AL	108 claims	50/100
49	36527	Spanish Fort	AL	104 claims	85/100
50	35405	Tuscaloosa	AL	103 claims	81/100
51	36502	Atmore	AL	103 claims	—
52	35243	Birmingham	AL	102 claims	74/100
53	35763	Owens Cross Roads	AL	95 claims	40/100
54	36601	Mobile	AL	94 claims	—
55	35126	Pinson	AL	93 claims	69/100
56	36322	Daleville	AL	93 claims	—
57	35803	Huntsville	AL	92 claims	50/100
58	36695	Mobile	AL	91 claims	—
59	36576	Silverhill	AL	89 claims	—
60	35401	Tuscaloosa	AL	85 claims	81/100
61	36511	Bon Secour	AL	84 claims	—
62	35447	Carrollton	AL	83 claims	—
63	35223	Birmingham	AL	81 claims	74/100
64	35094	Leeds	AL	73 claims	—
65	35601	Decatur	AL	72 claims	61/100
66	35634	Florence	AL	72 claims	—
67	36330	Enterprise	AL	71 claims	—
68	35217	Birmingham	AL	69 claims	74/100
69	36703	Selma	AL	66 claims	—
70	35007	Alabaster	AL	65 claims	60/100
71	35441	Akron	AL	65 claims	—
72	35221	Birmingham	AL	63 claims	71/100
73	35204	Birmingham	AL	59 claims	74/100
74	36111	Montgomery	AL	59 claims	83/100
75	36117	Montgomery	AL	58 claims	83/100
76	36559	Montrose	AL	58 claims	—
77	36618	Mobile	AL	58 claims	96/100
78	35214	Birmingham	AL	57 claims	—
79	36303	Dothan	AL	57 claims	—
80	36633	Mobile	AL	56 claims	—
81	36116	Montgomery	AL	55 claims	83/100
82	36536	Foley	AL	54 claims	—
83	35218	Birmingham	AL	53 claims	74/100
84	36301	Dothan	AL	52 claims	—
85	36108	Montgomery	AL	49 claims	83/100
86	36567	Robertsdale	AL	49 claims	100/100
87	35661	Muscle Shoals	AL	48 claims	—
88	35207	Birmingham	AL	47 claims	74/100
89	35630	Florence	AL	47 claims	—
90	36105	Montgomery	AL	47 claims	81/100
91	35674	Tuscumbia	AL	46 claims	—
92	35222	Birmingham	AL	45 claims	74/100
93	35242	Birmingham	AL	45 claims	65/100
94	36203	Oxford	AL	45 claims	—
95	36616	Mobile	AL	44 claims	—
96	35640	Hartselle	AL	43 claims	59/100
97	35211	Birmingham	AL	42 claims	71/100
98	36109	Montgomery	AL	42 claims	83/100
99	36507	Bay Minette	AL	42 claims	69/100
100	36541	Grand Bay	AL	42 claims	76/100

Methodology

This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-08-31.

Frequently Asked Questions

What does this ranking show?

It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.

Where does the claim data come from?

The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.

ZIP Codes with Highest Flood Risk in Alabama — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

What does this ranking show?

Where does the claim data come from?

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