Property Atlas

County hazard profile

Limestone, AL

Alabama · pop. 101,053 · FIPS 01083

Relatively Low
FEMA risk rating · RATING
Cold Wave
dominant hazard
$48M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Limestone $48M

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 79.96/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively Low 23.76/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 76.18/100
national median ~50 higher than 76% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Limestone

The National Flood Insurance Program has paid 59 flood-insurance claims totaling $671K in Limestone since 1979. The costliest year was 2015 ($236K paid).

Flood-insurance dollars paid by year of loss

1979: $4,050 paid 1980: $3,544 paid 1983: $7,979 paid 1989: $1,059 paid 1990: $22,429 paid 1991: $0 paid 1996: $1,723 paid 1998: $0 paid 1999: $51,352 paid 2002: $0 paid 2003: $60,416 paid 2004: $0 paid 2005: $0 paid 2008: $6,092 paid 2009: $6,745 paid 2011: $31,372 paid 2012: $11,696 paid 2015: $236,335 paid 2019: $27,150 paid 2020: $17,979 paid 2021: $147,185 paid 2022: $11,661 paid 2025: $22,059 paid 2015 · $236K 1979 2025
$671K
total paid
$11,370
average claim
$133K
largest single claim
25%
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 Limestone, AL and where it ranks among U.S. counties. It is not a verdict on whether Limestone 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.