Property Atlas

County hazard profile

Jefferson, AL

Alabama · pop. 673,766 · FIPS 01073

Relatively High
FEMA risk rating · RATING
Tornado
dominant hazard
$262M
modeled expected annual loss/yr

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

higher than 81% of counties

national median $15M/yr Jefferson $262M

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 High 97.61/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 56.2/100
national median ~50 near the national middle (56th percentile)
Community resilienceRelatively High 79.99/100
national median ~50 higher than 80% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jefferson

The National Flood Insurance Program has paid 2,880 flood-insurance claims totaling $47.4M in Jefferson since 1978. The costliest year was 2003 ($7.8M paid).

Flood-insurance dollars paid by year of loss

1978: $17,199 paid 1979: $1,967,660 paid 1980: $76,258 paid 1981: $37,392 paid 1982: $279,873 paid 1983: $1,934,613 paid 1984: $2,069 paid 1985: $8,062 paid 1986: $5,373 paid 1988: $5,396 paid 1989: $16,675 paid 1990: $76,561 paid 1991: $21,051 paid 1992: $14,761 paid 1993: $577 paid 1994: $4,709 paid 1995: $969,519 paid 1996: $395,442 paid 1997: $51,091 paid 1998: $211,320 paid 1999: $1,571,172 paid 2000: $1,710,827 paid 2001: $216,716 paid 2002: $1,282,421 paid 2003: $7,813,300 paid 2004: $2,897,868 paid 2005: $509,147 paid 2006: $311,185 paid 2007: $16,002 paid 2008: $289,122 paid 2009: $230,847 paid 2010: $23,215 paid 2011: $6,094,498 paid 2012: $170,259 paid 2013: $509,856 paid 2014: $5,319,008 paid 2015: $964,160 paid 2016: $22,306 paid 2017: $430,772 paid 2018: $232,456 paid 2019: $175,103 paid 2020: $1,359,390 paid 2021: $6,609,779 paid 2022: $1,979,660 paid 2023: $467,250 paid 2024: $89,637 paid 2025: $8,971 paid 2026: $3,917 paid 2003 · $7.8M 1978 2026
$47.4M
total paid
$16,460
average claim
$726K
largest single claim
59%
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 Jefferson, AL and where it ranks among U.S. counties. It is not a verdict on whether Jefferson 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.