Data · May 2026 data · 13-month trend
Alabama Flood Insurance Costs
In May 2026, the average premium among Alabama NFIP policies newly written or renewed that month was $986. That puts the state roughly in line with the national average of $982. The figure is up 5.6% year over year. 4,189 policies were written or renewed statewide that month; Bibb County was the priciest county at $3,720 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 — May 2026
- Average premium
- $986
- Avg total cost (with fees)
- $1,273
- Change (year over year)
- +5.6%
- vs national average
- +0.4%
- Policies written or renewed
- 4,189
- Counties reporting
- 57
Alabama trend, last 13 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 | $933 | $1,215 | 4,466 | |
| June 2025 | $816 | $1,067 | 5,247 | |
| July 2025 | $992 | $1,294 | 4,313 | |
| August 2025 | $930 | $1,221 | 4,019 | |
| September 2025 | $859 | $1,127 | 4,594 | |
| October 2025 | $916 | $1,192 | 3,609 | |
| November 2025 | $868 | $1,131 | 3,209 | |
| December 2025 | $884 | $1,157 | 2,916 | |
| January 2026 | $1,077 | $1,404 | 2,199 | |
| February 2026 | $802 | $1,039 | 3,422 | |
| March 2026 | $911 | $1,196 | 3,307 | |
| April 2026 | $831 | $1,082 | 4,704 | |
| May 2026 | $986 | $1,273 | 4,189 |
County breakdown — May 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 |
|---|---|---|---|---|
| Bibb County | $3,720 | $4,597 | 5 | |
| Bullock County | $2,775 | $3,572 | 2 | |
| Chambers County | $2,401 | $2,905 | 1 | |
| Early County | $2,158 | $2,618 | 1 | |
| Lauderdale County | $2,063 | $2,531 | 9 | |
| Blount County | $1,987 | $2,597 | 5 | |
| Clarke County | $1,949 | $2,484 | 2 | |
| Cherokee County | $1,807 | $2,296 | 22 | |
| Covington County | $1,771 | $2,262 | 9 | |
| Limestone County | $1,747 | $2,230 | 21 | |
| Russell County | $1,682 | $2,226 | 4 | |
| Calhoun County | $1,675 | $2,136 | 36 | |
| Colbert County | $1,652 | $2,144 | 11 | |
| Mobile County | $1,627 | $2,092 | 557 | |
| Tuscaloosa County | $1,600 | $2,054 | 53 | |
| Jackson County | $1,477 | $1,883 | 10 | |
| Jefferson County | $1,471 | $1,875 | 132 | |
| DeKalb County | $1,423 | $1,807 | 8 | |
| Elmore County | $1,410 | $1,787 | 22 | |
| Chilton County | $1,397 | $1,833 | 2 | |
| Cullman County | $1,342 | $1,819 | 11 | |
| Walker County | $1,341 | $1,655 | 3 | |
| Franklin County | $1,336 | $1,648 | 1 | |
| Shelby County | $1,293 | $1,637 | 57 | |
| FIPS 01000 | $1,283 | $1,661 | 6 | |
| Escambia County | $1,271 | $1,700 | 7 | |
| Coffee County | $1,218 | $1,547 | 18 | |
| Madison County | $1,172 | $1,496 | 246 | |
| Wilcox County | $1,131 | $1,481 | 3 | |
| Barbour County | $1,130 | $1,480 | 3 | |
| Montgomery County | $1,123 | $1,489 | 76 | |
| St. Clair County | $1,115 | $1,434 | 29 | |
| Tallapoosa County | $1,111 | $1,383 | 4 | |
| Talladega County | $1,111 | $1,434 | 49 | |
| Etowah County | $1,097 | $1,416 | 18 | |
| Lowndes County | $1,086 | $1,353 | 1 | |
| Hale County | $1,085 | $1,465 | 4 | |
| Marshall County | $1,060 | $1,379 | 4 | |
| Autauga County | $1,060 | $1,445 | 11 | |
| Lee County | $1,056 | $1,365 | 24 | |
| Morgan County | $1,025 | $1,348 | 27 | |
| Pike County | $1,012 | $1,266 | 1 | |
| Winston County | $1,005 | $1,371 | 2 | |
| Houston County | $973 | $1,258 | 24 | |
| Marengo County | $917 | $1,210 | 4 | |
| Randolph County | $915 | $1,152 | 1 | |
| Choctaw County | $865 | $1,093 | 2 | |
| Dallas County | $854 | $1,140 | 15 | |
| Lawrence County | $841 | $1,064 | 5 | |
| Sumter County | $742 | $1,116 | 4 | |
| Macon County | $740 | $945 | 2 | |
| Greene County | $732 | $936 | 4 | |
| Baldwin County | $722 | $937 | 2,575 | |
| Dale County | $715 | $961 | 5 | |
| Henry County | $710 | $1,000 | 5 | |
| Geneva County | $635 | $877 | 4 | |
| Pickens County | $546 | $828 | 2 |
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 (FimaNfipPolicies).
"Alabama Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/alabama
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.