Property Atlas

County hazard profile

Cullman, AL

Alabama · pop. 87,660 · FIPS 01043

Relatively Moderate
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 Cullman $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 Moderate 81.93/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively High 75.67/100
national median ~50 higher than 76% of counties
Community resilienceRelatively Low 33.68/100
national median ~50 lower than most counties (34th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cullman

The National Flood Insurance Program has paid 30 flood-insurance claims totaling $564K in Cullman since 1979. The costliest year was 2015 ($217K paid).

Flood-insurance dollars paid by year of loss

1979: $132,788 paid 1990: $5,682 paid 1996: $147 paid 2002: $0 paid 2004: $11,441 paid 2009: $16,150 paid 2011: $0 paid 2015: $216,988 paid 2020: $46,306 paid 2021: $134,093 paid 2023: $0 paid 2015 · $217K 1979 2023
$564K
total paid
$18,787
average claim
$70K
largest single claim
63%
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 Cullman, AL and where it ranks among U.S. counties. It is not a verdict on whether Cullman 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.