Property Atlas

County hazard profile

Choctaw, AL

Alabama · pop. 12,632 · FIPS 01023

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$21M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Choctaw $21M

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 Low 70.61/100
national median ~50 near the national middle (71st percentile)
Social vulnerabilityRelatively High 79.71/100
national median ~50 higher than 80% of counties
Community resilienceVery Low 12.79/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Choctaw

The National Flood Insurance Program has paid 53 flood-insurance claims totaling $563K in Choctaw since 1978. The costliest year was 2015 ($152K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $54,249 paid 1980: $26,772 paid 1983: $10,998 paid 1987: $3,841 paid 1991: $7,269 paid 1992: $0 paid 1997: $109,504 paid 1998: $28,850 paid 2001: $0 paid 2005: $1,842 paid 2009: $28,581 paid 2010: $0 paid 2013: $19,871 paid 2015: $151,790 paid 2018: $80,443 paid 2019: $0 paid 2020: $36,280 paid 2023: $2,519 paid 2015 · $152K 1978 2023
$563K
total paid
$10,619
average claim
$70K
largest single claim
51%
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 Choctaw, AL and where it ranks among U.S. counties. It is not a verdict on whether Choctaw 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.