Property Atlas

County hazard profile

Lauderdale, AL

Alabama · pop. 93,509 · FIPS 01077

Relatively Moderate
FEMA risk rating · RATING
Strong Wind
dominant hazard
$54M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lauderdale $54M

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 85.5/100
national median ~50 higher than 86% of counties
Social vulnerabilityRelatively Moderate 46.85/100
national median ~50 near the national middle (47th percentile)
Community resilienceRelatively High 61.04/100
national median ~50 near the national middle (61st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lauderdale

The National Flood Insurance Program has paid 141 flood-insurance claims totaling $1.4M in Lauderdale since 1978. The costliest year was 2003 ($347K paid).

Flood-insurance dollars paid by year of loss

1978: $633 paid 1979: $47,195 paid 1980: $350 paid 1981: $1,372 paid 1989: $0 paid 1990: $29,391 paid 1991: $66,475 paid 1993: $0 paid 1994: $22,836 paid 1995: $0 paid 1996: $0 paid 1998: $85,815 paid 1999: $4,666 paid 2001: $1,162 paid 2002: $187,227 paid 2003: $346,646 paid 2004: $42,553 paid 2005: $0 paid 2006: $0 paid 2009: $59,627 paid 2010: $107,049 paid 2013: $36,055 paid 2014: $29,825 paid 2015: $0 paid 2018: $8,905 paid 2019: $174,689 paid 2020: $39,347 paid 2021: $40,737 paid 2025: $67,806 paid 2003 · $347K 1978 2025
$1.4M
total paid
$9,932
average claim
$128K
largest single claim
74%
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 Lauderdale, AL and where it ranks among U.S. counties. It is not a verdict on whether Lauderdale 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.