Property Atlas

County hazard profile

Colbert, AL

Alabama · pop. 57,133 · FIPS 01033

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Colbert $35M

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 80.66/100
national median ~50 higher than 81% of counties
Social vulnerabilityRelatively High 69.82/100
national median ~50 near the national middle (70th percentile)
Community resilienceRelatively High 68.07/100
national median ~50 near the national middle (68th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Colbert

The National Flood Insurance Program has paid 143 flood-insurance claims totaling $1.9M in Colbert since 1978. The costliest year was 2019 ($592K paid).

Flood-insurance dollars paid by year of loss

1978: $4,497 paid 1979: $5,506 paid 1980: $4,148 paid 1983: $44,889 paid 1984: $7,110 paid 1990: $9,184 paid 1991: $183,926 paid 1992: $146,795 paid 1994: $12,567 paid 1995: $13,110 paid 1996: $7,090 paid 1997: $41,000 paid 1998: $58,513 paid 1999: $86,282 paid 2000: $68,214 paid 2001: $1,456 paid 2002: $54,400 paid 2003: $10,759 paid 2004: $98,440 paid 2008: $18,489 paid 2009: $8,084 paid 2011: $71,734 paid 2012: $3,244 paid 2014: $53,976 paid 2015: $65,644 paid 2016: $2,111 paid 2018: $11,473 paid 2019: $592,151 paid 2020: $74,802 paid 2021: $39,723 paid 2023: $86,345 paid 2024: $1,165 paid 2025: $32,528 paid 2019 · $592K 1978 2025
$1.9M
total paid
$13,422
average claim
$275K
largest single claim
71%
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 Colbert, AL and where it ranks among U.S. counties. It is not a verdict on whether Colbert 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.