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Flood insurance cost · Madison County, AL

Flood insurance cost in Madison County, Alabama

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,006 home policies in force on August 31, 2026.

Madison County, AlabamaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,145a year

Half of insured homes paid between $903 and $1,402. That is 7% less than the Alabama median ($1,233). Most insured homes here are rated in zone AE (54%).

$0$903 · $1,145 · $1,402$1,752
+9.7% vs Aug 31, 2025 (median $1,044)
3,006home policies in force
$1,240average cost (mean)
58%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.

Cost by flood zone in Madison 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 AE
High risk		$1,217$924–$1,612$1,3421,609 (54%)+9.4%
Zone A
High risk		$1,396$999–$1,879$1,512122 (4%)+10.7%
Zone X
Moderate to low risk		$1,086$848–$1,264$1,0841,275 (42%)+16.5%

Not shown (fewer than 10 home policies): VE, 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 Madison County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,698$1,111$1,197
2–4 unit building289$1,436$1,654
Condo or apartment unit10$602$569
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.		44$1,424$3,115
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		310$2,783$3,546

Not shown (fewer than 10 policies): manufactured (mobile) home.

3,360NFIP policies in force, any building
3,360insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Madison 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 force3,1493,006−4.5%
Median annual cost$1,044$1,145+9.7%
Average annual cost$1,137$1,240+9.1%
All policies in force (any building)3,5173,360−4.5%

How many homes have flood insurance?

2.2%of all homes in Madison County have an NFIP policy
38.4%of homes in high-risk zones (special flood hazard area) have one
137,523residential buildings counted by FEMA
4,593of 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 Madison County, Alabama have filed 786 flood claims. 607 received a payment, for a total of $11.6 million (an average of $19,163 per paid claim). The year with the most claims was 1999 (226 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 35 claims, 32 paid, $336,353 in total19801983: 18 claims, 11 paid, $128,778 in total1990: 46 claims, 41 paid, $680,497 in total199019901991: 27 claims, 18 paid, $56,859 in total1999: 226 claims, 210 paid, $3,805,054 in total199920002003: 82 claims, 69 paid, $1,262,460 in total20032004: 22 claims, 15 paid, $96,364 in total2009: 27 claims, 22 paid, $354,117 in total2010: 10 claims20102011: 23 claims, 15 paid, $354,080 in total2012: 13 claims2015: 29 claims, 23 paid, $468,752 in total2017: 35 claims, 29 paid, $1,183,484 in total2019: 21 claims, 15 paid, $221,456 in total2020: 18 claims, 15 paid, $234,038 in total20202021: 25 claims, 15 paid, $342,832 in total2023: 18 claims, 11 paid, $1,098,965 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20231811$1,098,965$99,906
20212515$342,832$22,855
20201815$234,038$15,603
20192115$221,456$14,764
20173529$1,183,484$40,810
20152923$468,752$20,381
201213<10––
20112315$354,080$23,605
201010<10––
20092722$354,117$16,096
20042215$96,364$6,424
20038269$1,262,460$18,297
1999226210$3,805,054$18,119
19912718$56,859$3,159
19904641$680,497$16,597
19831811$128,778$11,707
19793532$336,353$10,511

From 2016 to 2026: 117 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 Madison County

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

Main NFIP communities in the county

Huntsville (2,143 home policies) · Unincorporated Madison County (546 home policies) · Madison (163 home policies) · Owens Cross Roads (72 home policies) · New Hope (57 home policies) · Triana (18 home policies)