Flood insurance cost · ZIP 36528 · AL

Flood insurance cost in ZIP 36528 (Dauphin Island, AL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,438 home policies in force on August 31, 2026.

ZIP code 36528 (Dauphin Island, AL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,358a year

Half of insured homes paid between $1,141 and $1,873. That is 7% more than the Mobile County median ($1,270). Most insured homes here are rated in zone AE (52%).

$0$1,141 · $1,358 · $1,873$2,341

+13.5% vs Aug 31, 2025 (median $1,196)

1,438home policies in force

$1,739average cost (mean)

98%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 ZIP code 36528

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,476	$1,222–$2,112	$1,910	665 (46%)	+12.5%
Zone AE High risk	$1,270	$1,101–$1,630	$1,603	751 (52%)	+13.7%
Zone X Moderate to low risk	$1,266	$1,032–$1,312	$1,187	22 (2%)	+16.9%

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 ZIP code 36528, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,367	$1,367	$1,768
2–4 unit building	15	$1,295	$1,914
Condo or apartment unit	56	$907	$984
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.	69	$2,661	$4,464
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	69	$3,100	$4,574

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

1,576NFIP policies in force, any building

1,914insured units (condo association policies count every unit)

90%of home policies also cover contents

$57,500median contents coverage, when bought

One year on: ZIP code 36528

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, 2025	Aug 31, 2026	Change
Home policies in force	1,476	1,438	−2.6%
Median annual cost	$1,196	$1,358	+13.5%
Average annual cost	$1,595	$1,739	+9.0%
All policies in force (any building)	1,616	1,576	−2.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 36528 have filed 5,009 flood claims. 3,981 received a payment, for a total of $111.8 million (an average of $28,071 per paid claim). The year with the most claims was 2005 (1,178 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (16)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2021	17	15	$155,582	$10,372
2020	286	175	$2,818,029	$16,103
2018	22	18	$129,058	$7,170
2017	119	111	$1,958,651	$17,646
2012	88	60	$457,866	$7,631
2009	65	58	$606,223	$10,452
2008	129	107	$1,374,162	$12,843
2005	1,178	1,067	$63,684,249	$59,685
2004	1,163	1,051	$24,709,291	$23,510
2002	221	183	$1,015,864	$5,551
1998	759	557	$9,687,726	$17,393
1997	246	128	$1,006,761	$7,865
1995	174	122	$478,603	$3,923
1988	12	<10	–	–
1985	273	114	$847,541	$7,435
1979	179	167	$2,058,048	$12,324

From 2016 to 2026: 444 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.

NFIP communities in this ZIP code

Dauphin Island (1,435 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.