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Flood insurance cost · Mobile County, AL

Flood insurance cost in Mobile County, Alabama

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,216 home policies in force on August 31, 2026.

Mobile County, AlabamaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,270a year

Half of insured homes paid between $1,071 and $1,703. That is 3% more than the Alabama median ($1,233). Most insured homes here are rated in zone AE (62%).

$0$1,071 · $1,270 · $1,703$2,129
+13.9% vs Aug 31, 2025 (median $1,115)
5,216home policies in force
$1,541average cost (mean)
79%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 Mobile County.

Cost by flood zone in Mobile 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		$1,488$1,234–$2,124$1,915724 (14%)+12.4%
Zone AE
High risk		$1,371$1,116–$1,860$1,6373,218 (62%)+11.8%
Zone A
High risk		$1,122$984–$1,246$1,252200 (4%)+14.3%
Zone X
Moderate to low risk		$1,084$833–$1,263$1,0551,074 (21%)+16.4%

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

Type of buildingPoliciesMedianAverage
Single-family home5,052$1,271$1,556
2–4 unit building52$1,280$1,515
Manufactured (mobile) home18$659$755
Condo or apartment unit94$817$881
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.		158$2,427$3,330
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		704$3,335$4,353
6,078NFIP policies in force, any building
6,598insured units (condo association policies count every unit)
85%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Mobile 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 force5,6315,216−7.4%
Median annual cost$1,115$1,270+13.9%
Average annual cost$1,399$1,541+10.2%
All policies in force (any building)6,5176,078−6.7%

How many homes have flood insurance?

3.6%of all homes in Mobile County have an NFIP policy
45.1%of homes in high-risk zones (special flood hazard area) have one
150,048residential buildings counted by FEMA
9,472of 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 Mobile County, Alabama have filed 15,198 flood claims. 12,077 received a payment, for a total of $369.4 million (an average of $30,588 per paid claim). The year with the most claims was 2005 (3,628 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 51 claims, 40 paid, $86,296 in total1979: 1,674 claims, 1,399 paid, $18,801,785 in total19791980: 730 claims, 612 paid, $6,156,901 in total19801981: 1,160 claims, 1,062 paid, $17,925,810 in total1982: 29 claims, 18 paid, $60,164 in total1983: 298 claims, 211 paid, $1,187,298 in total1984: 34 claims, 25 paid, $119,343 in total1985: 492 claims, 206 paid, $1,322,724 in total1987: 23 claims, 13 paid, $34,412 in total1988: 20 claims1989: 23 claims, 15 paid, $203,281 in total1990: 79 claims, 49 paid, $438,836 in total19901991: 25 claims, 13 paid, $23,040 in total1992: 11 claims1993: 18 claims, 14 paid, $115,621 in total1995: 264 claims, 170 paid, $933,786 in total1996: 24 claims, 17 paid, $288,933 in total1997: 594 claims, 390 paid, $5,317,926 in total1998: 2,515 claims, 1,835 paid, $36,712,482 in total19981999: 14 claims20002001: 14 claims, 10 paid, $91,997 in total2002: 428 claims, 323 paid, $2,647,038 in total2003: 57 claims, 26 paid, $176,119 in total2004: 1,451 claims, 1,215 paid, $26,796,871 in total2005: 3,628 claims, 3,264 paid, $226,392,524 in total20052006: 17 claims2007: 10 claims2008: 203 claims, 171 paid, $2,358,164 in total2009: 165 claims, 144 paid, $2,193,408 in total2010: 31 claims, 22 paid, $210,401 in total20102011: 11 claims2012: 150 claims, 101 paid, $1,519,528 in total2013: 14 claims, 10 paid, $170,169 in total2014: 108 claims, 69 paid, $2,350,568 in total2015: 66 claims, 55 paid, $1,595,086 in total2017: 202 claims, 178 paid, $4,825,016 in total2018: 33 claims, 22 paid, $158,359 in total2019: 21 claims, 14 paid, $541,547 in total2020: 401 claims, 255 paid, $5,636,254 in total20202021: 31 claims, 24 paid, $347,438 in total2022: 11 claims2024: 12 claims2025: 14 claims, 12 paid, $221,838 in total2026: 14 claims, 13 paid, $529,969 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 (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261413$529,969$40,767
20251412$221,838$18,486
202412<10––
202211<10––
20213124$347,438$14,477
2020401255$5,636,254$22,103
20192114$541,547$38,682
20183322$158,359$7,198
2017202178$4,825,016$27,107
20156655$1,595,086$29,002
201410869$2,350,568$34,066
20131410$170,169$17,017
2012150101$1,519,528$15,045
201111<10––
20103122$210,401$9,564
2009165144$2,193,408$15,232
2008203171$2,358,164$13,790
200710<10––
200617<10––
20053,6283,264$226,392,524$69,360
20041,4511,215$26,796,871$22,055
20035726$176,119$6,774
2002428323$2,647,038$8,195
20011410$91,997$9,200
199914<10––
19982,5151,835$36,712,482$20,007
1997594390$5,317,926$13,636
19962417$288,933$16,996
1995264170$933,786$5,493
19931814$115,621$8,259
199211<10––
19912513$23,040$1,772
19907949$438,836$8,956
19892315$203,281$13,552
198820<10––
19872313$34,412$2,647
1985492206$1,322,724$6,421
19843425$119,343$4,774
1983298211$1,187,298$5,627
19822918$60,164$3,342
19811,1601,062$17,925,810$16,879
1980730612$6,156,901$10,060
19791,6741,399$18,801,785$13,439
19785140$86,296$2,157

From 2016 to 2026: 739 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 Mobile County

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

Main NFIP communities in the county

Mobile (2,099 home policies) · Dauphin Island (1,436 home policies) · Unincorporated Mobile County (1,045 home policies) · Saraland (261 home policies) · Bayou La Batre (128 home policies) · Chickasaw (88 home policies)