Property Atlas

County hazard profile

Coffee, AL

Alabama · pop. 53,391 · FIPS 01031

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$43M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Coffee $43M

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 83.43/100
national median ~50 higher than 83% of counties
Social vulnerabilityRelatively Moderate 59.57/100
national median ~50 near the national middle (60th percentile)
Community resilienceRelatively Moderate 42.4/100
national median ~50 near the national middle (42nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Coffee

The National Flood Insurance Program has paid 590 flood-insurance claims totaling $17.7M in Coffee since 1978. The costliest year was 1998 ($13.2M paid).

Flood-insurance dollars paid by year of loss

1978: $3,028 paid 1979: $2,651 paid 1982: $1,383 paid 1983: $1,447 paid 1984: $0 paid 1985: $6,180 paid 1989: $0 paid 1990: $1,471,561 paid 1992: $0 paid 1993: $2,116 paid 1994: $570,393 paid 1995: $10,350 paid 1996: $0 paid 1998: $13,230,238 paid 2003: $8,555 paid 2005: $3,180 paid 2007: $0 paid 2008: $3,038 paid 2009: $198,223 paid 2012: $142,512 paid 2013: $0 paid 2014: $54,502 paid 2015: $1,925,995 paid 2016: $0 paid 2018: $183 paid 2020: $34,047 paid 2024: $9,206 paid 1998 · $13.2M 1978 2024
$17.7M
total paid
$29,964
average claim
$506K
largest single claim
31%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Coffee, AL and where it ranks among U.S. counties. It is not a verdict on whether Coffee 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.