Property Atlas

County hazard profile

Talladega, AL

Alabama · pop. 81,988 · FIPS 01121

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Talladega $37M

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 84.67/100
national median ~50 higher than 85% of counties
Social vulnerabilityVery High 86.55/100
national median ~50 higher than 87% of counties
Community resilienceRelatively Moderate 40.46/100
national median ~50 near the national middle (40th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Talladega

The National Flood Insurance Program has paid 107 flood-insurance claims totaling $2.1M in Talladega since 1979. The costliest year was 2022 ($567K paid).

Flood-insurance dollars paid by year of loss

1979: $53,830 paid 1980: $5,278 paid 1982: $4,987 paid 1983: $2,623 paid 1988: $2,439 paid 1990: $6,103 paid 1991: $882 paid 1995: $17,050 paid 1996: $0 paid 1998: $0 paid 2000: $0 paid 2001: $187 paid 2002: $0 paid 2003: $88,269 paid 2004: $207 paid 2006: $0 paid 2009: $430,394 paid 2010: $29,456 paid 2013: $332,021 paid 2014: $10,214 paid 2015: $40,882 paid 2018: $26,000 paid 2019: $0 paid 2020: $53,521 paid 2021: $80,295 paid 2022: $566,947 paid 2025: $340,985 paid 2022 · $567K 1979 2025
$2.1M
total paid
$19,557
average claim
$413K
largest single claim
60%
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 Talladega, AL and where it ranks among U.S. counties. It is not a verdict on whether Talladega 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.