Property Atlas

County hazard profile

Mobile, AL

Alabama · pop. 414,514 · FIPS 01097

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$298M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Mobile $298M

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 98.03/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 53.94/100
national median ~50 near the national middle (54th percentile)
Community resilienceRelatively High 79.68/100
national median ~50 higher than 80% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Mobile

The National Flood Insurance Program has paid 15,112 flood-insurance claims totaling $368.0M in Mobile since 1978. The costliest year was 2005 ($226.4M paid).

Flood-insurance dollars paid by year of loss

1978: $86,296 paid 1979: $17,987,909 paid 1980: $6,116,620 paid 1981: $17,786,644 paid 1982: $60,164 paid 1983: $1,187,298 paid 1984: $119,343 paid 1985: $1,285,592 paid 1986: $270 paid 1987: $34,412 paid 1988: $10,573 paid 1989: $203,281 paid 1990: $438,836 paid 1991: $23,040 paid 1992: $3,847 paid 1993: $115,621 paid 1994: $11,903 paid 1995: $933,786 paid 1996: $288,933 paid 1997: $5,317,926 paid 1998: $36,712,482 paid 1999: $123,597 paid 2000: $31,688 paid 2001: $91,997 paid 2002: $2,647,038 paid 2003: $176,119 paid 2004: $26,796,871 paid 2005: $226,392,524 paid 2006: $94,589 paid 2007: $195,153 paid 2008: $2,358,164 paid 2009: $2,370,905 paid 2010: $210,401 paid 2011: $22,256 paid 2012: $1,519,528 paid 2013: $170,169 paid 2014: $2,350,568 paid 2015: $1,595,086 paid 2016: $1,636 paid 2017: $4,825,016 paid 2018: $158,359 paid 2019: $541,547 paid 2020: $5,631,518 paid 2021: $347,438 paid 2022: $105,974 paid 2023: $56,187 paid 2024: $266,158 paid 2025: $221,838 paid 2026: $10,877 paid 2005 · $226.4M 1978 2026
$368.0M
total paid
$24,354
average claim
$1.6M
largest single claim
76%
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 Mobile, AL and where it ranks among U.S. counties. It is not a verdict on whether Mobile 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.