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Flood insurance cost · Baldwin County, AL

Flood insurance cost in Baldwin County, Alabama

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,224 home policies in force on August 31, 2026.

Baldwin County, AlabamaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $996 and $1,667. That is 3% more than the Alabama median ($1,233). Most insured homes here are rated in zone AE (56%).

$0$996 · $1,266 · $1,667$2,084
+15.2% vs Aug 31, 2025 (median $1,099)
8,224home policies in force
$1,502average cost (mean)
73%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: 1 FEMA declaration · IRS Feb 4, 2027. FEMA declarations and IRS tax relief in Baldwin County.

Cost by flood zone in Baldwin County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,510$1,154–$2,288$1,8591,380 (17%)+9.1%
Zone AE
High risk		$1,356$1,117–$1,839$1,6364,585 (56%)+12.8%
Zone X
Moderate to low risk		$995$683–$1,265$1,0092,252 (27%)+7.1%

Not shown (fewer than 10 home policies): A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Baldwin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,479$1,282$1,552
2–4 unit building151$1,387$1,613
Manufactured (mobile) home44$973$1,267
Condo or apartment unit550$662$810
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		748$3,026$8,116
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		561$3,125$4,783
9,533NFIP policies in force, any building
25,047insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Baldwin County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force8,9108,224−7.7%
Median annual cost$1,099$1,266+15.2%
Average annual cost$1,359$1,502+10.5%
All policies in force (any building)10,2499,533−7.0%

How many homes have flood insurance?

9.2%of all homes in Baldwin County have an NFIP policy
63.6%of homes in high-risk zones (special flood hazard area) have one
97,390residential buildings counted by FEMA
10,442of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Baldwin County, Alabama have filed 19,800 flood claims. 15,629 received a payment, for a total of $660.0 million (an average of $42,227 per paid claim). The year with the most claims was 2004 (5,411 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 36 claims, 31 paid, $153,489 in total1979: 1,009 claims, 896 paid, $14,780,404 in total1980: 17 claims, 13 paid, $75,976 in total19801981: 19 claims, 13 paid, $145,206 in total1983: 46 claims, 30 paid, $96,814 in total1985: 436 claims, 225 paid, $1,489,968 in total1987: 23 claims, 10 paid, $30,556 in total1989: 27 claims, 17 paid, $241,172 in total1990: 37 claims, 31 paid, $233,977 in total19901991: 15 claims1995: 1,425 claims, 1,038 paid, $14,980,222 in total1996: 45 claims, 32 paid, $454,237 in total1997: 555 claims, 266 paid, $5,622,136 in total1998: 2,570 claims, 1,717 paid, $36,170,606 in total1999: 11 claims20002002: 612 claims, 457 paid, $3,148,125 in total2003: 22 claims, 10 paid, $273,377 in total2004: 5,411 claims, 4,679 paid, $331,777,173 in total20042005: 2,592 claims, 2,293 paid, $75,850,217 in total20052007: 39 claims, 29 paid, $614,912 in total2008: 256 claims, 221 paid, $1,861,341 in total2009: 47 claims, 36 paid, $674,483 in total20102012: 95 claims, 75 paid, $797,356 in total2013: 18 claims2014: 1,004 claims, 834 paid, $44,575,152 in total2017: 92 claims, 61 paid, $1,214,608 in total2020: 3,199 claims, 2,514 paid, $121,970,636 in total202020202021: 29 claims, 24 paid, $352,981 in total2025: 23 claims, 19 paid, $1,680,231 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252319$1,680,231$88,433
20212924$352,981$14,708
20203,1992,514$121,970,636$48,517
20179261$1,214,608$19,912
20141,004834$44,575,152$53,447
201318<10––
20129575$797,356$10,631
20094736$674,483$18,736
2008256221$1,861,341$8,422
20073929$614,912$21,204
20052,5922,293$75,850,217$33,079
20045,4114,679$331,777,173$70,908
20032210$273,377$27,338
2002612457$3,148,125$6,889
199911<10––
19982,5701,717$36,170,606$21,066
1997555266$5,622,136$21,136
19964532$454,237$14,195
19951,4251,038$14,980,222$14,432
199115<10––
19903731$233,977$7,548
19892717$241,172$14,187
19872310$30,556$3,056
1985436225$1,489,968$6,622
19834630$96,814$3,227
19811913$145,206$11,170
19801713$75,976$5,844
19791,009896$14,780,404$16,496
19783631$153,489$4,951

From 2016 to 2026: 3,343 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Baldwin County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Baldwin County (4,155 home policies) · Gulf Shores (1,996 home policies) · Orange Beach (913 home policies) · Foley (433 home policies) · Fairhope (283 home policies) · Daphne (195 home policies)