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Flood insurance cost · ZIP 36561 · AL

Flood insurance cost in ZIP 36561 (unincorporated Baldwin County, AL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,150 home policies in force on August 31, 2026.

ZIP code 36561 (unincorporated Baldwin County, AL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,309a year

Half of insured homes paid between $1,067 and $1,691. That is 3% more than the Baldwin County median ($1,266). Most insured homes here are rated in zone AE (69%).

$0$1,067 · $1,309 · $1,691$2,114
+13.3% vs Aug 31, 2025 (median $1,155)
2,150home policies in force
$1,554average cost (mean)
86%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 36561

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		$891$581–$1,475$1,232361 (17%)+10.4%
Zone AE
High risk		$1,417$1,145–$1,870$1,6831,485 (69%)+15.0%
Zone X
Moderate to low risk		$1,265$1,084–$1,459$1,305301 (14%)+16.8%

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 36561, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,782$1,420$1,697
2–4 unit building31$1,279$1,629
Condo or apartment unit334$662$788
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.		248$5,590$12,878
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		182$3,512$4,635

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

2,580NFIP policies in force, any building
11,832insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 36561

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 force2,3402,150−8.1%
Median annual cost$1,155$1,309+13.3%
Average annual cost$1,393$1,554+11.6%
All policies in force (any building)2,7832,580−7.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 36561 have filed 4,779 flood claims. 3,563 received a payment, for a total of $255.1 million (an average of $71,596 per paid claim). The year with the most claims was 2004 (1,728 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 86 claims, 61 paid, $468,044 in total19801985: 31 claims, 12 paid, $118,064 in total19901995: 328 claims, 221 paid, $4,283,346 in total1997: 43 claims1998: 568 claims, 338 paid, $8,661,051 in total199820002002: 73 claims, 53 paid, $499,824 in total2004: 1,728 claims, 1,392 paid, $175,575,883 in total20042005: 118 claims, 77 paid, $1,166,033 in total2007: 11 claims20102012: 14 claims, 11 paid, $159,271 in total2014: 349 claims, 268 paid, $8,558,490 in total2020: 1,387 claims, 1,102 paid, $55,244,674 in total20202020
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201,3871,102$55,244,674$50,131
2014349268$8,558,490$31,935
20121411$159,271$14,479
200711<10––
200511877$1,166,033$15,143
20041,7281,392$175,575,883$126,132
20027353$499,824$9,431
1998568338$8,661,051$25,624
199743<10––
1995328221$4,283,346$19,382
19853112$118,064$9,839
19798661$468,044$7,673

From 2016 to 2026: 1,387 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

Unincorporated Baldwin County (1,238 home policies) · Orange Beach (911 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.