Property Atlas

County hazard profile

Marshall, AL

Alabama · pop. 97,552 · FIPS 01095

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$50M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Marshall $50M

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 87.31/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively High 75.35/100
national median ~50 higher than 75% of counties
Community resilienceRelatively Low 39.03/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Marshall

The National Flood Insurance Program has paid 41 flood-insurance claims totaling $1.0M in Marshall since 1979. The costliest year was 2021 ($388K paid).

Flood-insurance dollars paid by year of loss

1979: $18,000 paid 1982: $60,000 paid 1997: $141 paid 2001: $92,461 paid 2002: $65,880 paid 2004: $21,821 paid 2010: $80,047 paid 2011: $65,856 paid 2013: $44,913 paid 2015: $134,154 paid 2017: $19,970 paid 2018: $4,918 paid 2020: $7,981 paid 2021: $388,283 paid 2022: $0 paid 2025: $29,559 paid 2021 · $388K 1979 2025
$1.0M
total paid
$25,219
average claim
$165K
largest single claim
24%
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 Marshall, AL and where it ranks among U.S. counties. It is not a verdict on whether Marshall 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.