Property Atlas

County hazard profile

Baldwin, AL

Alabama · pop. 231,365 · FIPS 01003

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$237M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (73rd percentile)

national median $15M/yr Baldwin $237M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 96.72/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 44.24/100
national median ~50 near the national middle (44th percentile)
Community resilienceVery High 93/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Baldwin

The National Flood Insurance Program has paid 19,745 flood-insurance claims totaling $659.4M in Baldwin since 1978. The costliest year was 2004 ($331.8M paid).

Flood-insurance dollars paid by year of loss

1978: $153,489 paid 1979: $14,339,054 paid 1980: $75,976 paid 1981: $145,206 paid 1982: $0 paid 1983: $89,292 paid 1984: $15,081 paid 1985: $1,463,637 paid 1987: $30,556 paid 1988: $2,543 paid 1989: $241,172 paid 1990: $233,977 paid 1991: $67,162 paid 1992: $11,240 paid 1993: $7,144 paid 1994: $29,949 paid 1995: $14,980,222 paid 1996: $454,237 paid 1997: $5,622,136 paid 1998: $36,170,606 paid 1999: $61,332 paid 2000: $7,586 paid 2001: $13,341 paid 2002: $3,148,125 paid 2003: $273,377 paid 2004: $331,777,173 paid 2005: $75,850,217 paid 2006: $13,310 paid 2007: $614,912 paid 2008: $1,861,341 paid 2009: $674,483 paid 2010: $1,965 paid 2011: $0 paid 2012: $797,356 paid 2013: $124,108 paid 2014: $44,575,152 paid 2015: $34,671 paid 2016: $81,309 paid 2017: $1,214,608 paid 2018: $35,931 paid 2019: $23,651 paid 2020: $121,883,980 paid 2021: $352,981 paid 2022: $0 paid 2023: $153,969 paid 2024: $12,150 paid 2025: $1,680,231 paid 2004 · $331.8M 1978 2025
$659.4M
total paid
$33,396
average claim
$5.0M
largest single claim
87%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Baldwin, AL and where it ranks among U.S. counties. It is not a verdict on whether Baldwin is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.