Property Atlas

County hazard profile

Calhoun, AL

Alabama · pop. 116,250 · FIPS 01015

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$54M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Calhoun $54M

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 Moderate 88.45/100
national median ~50 higher than 88% of counties
Social vulnerabilityVery High 81.49/100
national median ~50 higher than 81% of counties
Community resilienceRelatively Moderate 48.44/100
national median ~50 near the national middle (48th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Calhoun

The National Flood Insurance Program has paid 129 flood-insurance claims totaling $706K in Calhoun since 1979. The costliest year was 2025 ($119K paid).

Flood-insurance dollars paid by year of loss

1979: $37,301 paid 1980: $1,981 paid 1984: $0 paid 1985: $3,100 paid 1989: $0 paid 1990: $46,482 paid 1991: $1,182 paid 1992: $2,536 paid 1993: $6,878 paid 1994: $5,653 paid 1995: $102,110 paid 1996: $0 paid 1997: $3,087 paid 1998: $1,330 paid 1999: $7,661 paid 2000: $0 paid 2002: $0 paid 2003: $24,745 paid 2004: $5,861 paid 2005: $0 paid 2006: $112,774 paid 2007: $3,926 paid 2008: $0 paid 2009: $12,416 paid 2010: $0 paid 2011: $25,238 paid 2013: $10,540 paid 2014: $0 paid 2015: $17,210 paid 2016: $30,120 paid 2017: $0 paid 2019: $41,610 paid 2020: $2,609 paid 2021: $28,522 paid 2022: $52,724 paid 2023: $0 paid 2025: $118,661 paid 2026: $0 paid 2025 · $119K 1979 2026
$706K
total paid
$5,475
average claim
$113K
largest single claim
67%
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 Calhoun, AL and where it ranks among U.S. counties. It is not a verdict on whether Calhoun 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.