Data · June 2026 data · 14-month trend
Alabama Flood Insurance Costs
In June 2026, the average premium among Alabama NFIP policies newly written or renewed that month was $881. That runs 12.1% below the national average of $1,001. The figure is up 7.8% year over year. 4,963 policies were written or renewed statewide that month; Choctaw County was the priciest county at $4,649 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — June 2026
- Average premium
- $881
- Avg total cost (with fees)
- $1,141
- Change (year over year)
- +7.8%
- vs national average
- -12.1%
- Policies written or renewed
- 4,963
- Counties reporting
- 58
Alabama trend, last 14 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $903 | $1,175 | 4,670 | |
| June 2025 | $817 | $1,068 | 5,251 | |
| July 2025 | $992 | $1,293 | 4,317 | |
| August 2025 | $931 | $1,222 | 4,020 | |
| September 2025 | $852 | $1,119 | 4,594 | |
| October 2025 | $920 | $1,197 | 3,611 | |
| November 2025 | $869 | $1,132 | 3,211 | |
| December 2025 | $883 | $1,155 | 2,918 | |
| January 2026 | $1,078 | $1,405 | 2,201 | |
| February 2026 | $803 | $1,041 | 3,424 | |
| March 2026 | $912 | $1,196 | 3,308 | |
| April 2026 | $831 | $1,082 | 4,705 | |
| May 2026 | $971 | $1,253 | 4,499 | |
| June 2026 | $881 | $1,141 | 4,963 |
County breakdown — June 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Choctaw County | $4,649 | $5,783 | 1 | |
| Marion County | $4,199 | $5,027 | 1 | |
| Macon County | $2,735 | $3,412 | 2 | |
| DeKalb County | $2,661 | $3,347 | 5 | |
| Lauderdale County | $2,333 | $2,849 | 9 | |
| Calhoun County | $2,049 | $2,559 | 39 | |
| Barbour County | $2,023 | $2,496 | 6 | |
| Jackson County | $1,904 | $2,386 | 10 | |
| Covington County | $1,719 | $2,170 | 13 | |
| Winston County | $1,642 | $2,235 | 4 | |
| Bibb County | $1,624 | $1,988 | 1 | |
| Russell County | $1,565 | $1,983 | 7 | |
| Tallapoosa County | $1,533 | $2,106 | 1 | |
| Mobile County | $1,521 | $1,947 | 741 | |
| Shelby County | $1,499 | $1,896 | 49 | |
| Clarke County | $1,423 | $1,808 | 4 | |
| Jefferson County | $1,399 | $1,793 | 144 | |
| Etowah County | $1,387 | $1,768 | 27 | |
| Cherokee County | $1,340 | $1,720 | 17 | |
| Walker County | $1,320 | $1,732 | 11 | |
| Montgomery County | $1,274 | $1,650 | 100 | |
| Autauga County | $1,264 | $1,622 | 27 | |
| Lowndes County | $1,248 | $1,545 | 4 | |
| Marshall County | $1,244 | $1,604 | 7 | |
| Wilcox County | $1,151 | $1,430 | 3 | |
| Houston County | $1,143 | $1,444 | 29 | |
| Cullman County | $1,097 | $1,398 | 7 | |
| Sumter County | $1,096 | $1,516 | 3 | |
| Lawrence County | $1,096 | $1,397 | 7 | |
| Madison County | $1,095 | $1,404 | 231 | |
| Tuscaloosa County | $1,086 | $1,460 | 55 | |
| Marengo County | $1,070 | $1,399 | 7 | |
| Morgan County | $1,049 | $1,366 | 32 | |
| Elmore County | $1,048 | $1,373 | 26 | |
| Limestone County | $1,041 | $1,348 | 19 | |
| Monroe County | $1,023 | $1,504 | 2 | |
| Pickens County | $999 | $1,364 | 12 | |
| Hale County | $994 | $1,335 | 5 | |
| Chilton County | $974 | $1,222 | 3 | |
| Blount County | $974 | $1,277 | 4 | |
| Greene County | $945 | $1,252 | 7 | |
| Chambers County | $929 | $1,319 | 3 | |
| Talladega County | $928 | $1,210 | 21 | |
| Dallas County | $915 | $1,163 | 19 | |
| St. Clair County | $891 | $1,189 | 24 | |
| Colbert County | $865 | $1,157 | 7 | |
| Lee County | $859 | $1,120 | 26 | |
| Geneva County | $820 | $1,085 | 5 | |
| Pike County | $793 | $1,064 | 4 | |
| Dale County | $790 | $1,079 | 3 | |
| Coffee County | $761 | $1,023 | 17 | |
| Escambia County | $729 | $932 | 6 | |
| Henry County | $618 | $801 | 2 | |
| Baldwin County | $606 | $794 | 3,139 | |
| Coosa County | $589 | $879 | 2 | |
| Fayette County | $586 | $763 | 1 | |
| Randolph County | $492 | $878 | 1 | |
| Butler County | $436 | $586 | 1 |
Use this data
Download Alabama CSV (alabama.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Alabama Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/alabama
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.