Data · July 2026 data · 15-month trend
Alabama Flood Insurance Costs
In July 2026, the average premium among Alabama NFIP policies newly written or renewed that month was $1,087. That runs +10.2% above the national average of $986. The figure is up 9.6% year over year. 4,109 policies were written or renewed statewide that month; Blount County was the priciest county at $4,648 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 — July 2026
- Average premium
- $1,087
- Avg total cost (with fees)
- $1,406
- Change (year over year)
- +9.6%
- vs national average
- +10.2%
- Policies written or renewed
- 4,109
- Counties reporting
- 58
Alabama trend, last 15 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 | |
| July 2026 | $1,087 | $1,406 | 4,109 |
County breakdown — July 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 |
|---|---|---|---|---|
| Blount County | $4,648 | $5,782 | 5 | |
| Chambers County | $2,817 | $3,509 | 2 | |
| Russell County | $2,350 | $2,920 | 6 | |
| Pickens County | $2,179 | $2,729 | 13 | |
| Limestone County | $1,785 | $2,238 | 26 | |
| DeKalb County | $1,723 | $2,162 | 4 | |
| Jefferson County | $1,557 | $1,986 | 156 | |
| Cleburne County | $1,531 | $1,953 | 3 | |
| Mobile County | $1,468 | $1,882 | 857 | |
| Calhoun County | $1,464 | $1,904 | 43 | |
| Bibb County | $1,457 | $1,881 | 5 | |
| Cherokee County | $1,443 | $1,936 | 21 | |
| Covington County | $1,443 | $1,775 | 8 | |
| Walker County | $1,439 | $1,769 | 8 | |
| Chilton County | $1,431 | $1,761 | 3 | |
| Colbert County | $1,379 | $1,825 | 9 | |
| Sumter County | $1,359 | $1,826 | 3 | |
| Choctaw County | $1,336 | $1,761 | 4 | |
| Macon County | $1,322 | $1,744 | 2 | |
| Escambia County | $1,304 | $1,674 | 18 | |
| Barbour County | $1,289 | $1,593 | 1 | |
| Clarke County | $1,287 | $1,666 | 3 | |
| Shelby County | $1,274 | $1,630 | 41 | |
| Talladega County | $1,261 | $1,597 | 30 | |
| Etowah County | $1,245 | $1,630 | 23 | |
| Tallapoosa County | $1,240 | $1,647 | 12 | |
| Lawrence County | $1,227 | $1,745 | 2 | |
| Winston County | $1,225 | $1,743 | 1 | |
| Marshall County | $1,224 | $1,600 | 8 | |
| Morgan County | $1,209 | $1,564 | 34 | |
| Randolph County | $1,202 | $1,715 | 2 | |
| Elmore County | $1,173 | $1,488 | 41 | |
| Tuscaloosa County | $1,155 | $1,510 | 51 | |
| St. Clair County | $1,130 | $1,430 | 27 | |
| Madison County | $1,123 | $1,443 | 257 | |
| Marengo County | $1,081 | $1,393 | 5 | |
| Lauderdale County | $1,063 | $1,382 | 16 | |
| Autauga County | $1,043 | $1,330 | 16 | |
| Coffee County | $1,042 | $1,405 | 24 | |
| Lowndes County | $1,036 | $1,317 | 10 | |
| Fayette County | $1,026 | $1,508 | 1 | |
| Jackson County | $1,003 | $1,290 | 13 | |
| Hale County | $980 | $1,319 | 5 | |
| Houston County | $976 | $1,224 | 22 | |
| Wilcox County | $976 | $1,374 | 6 | |
| Montgomery County | $951 | $1,242 | 62 | |
| Greene County | $950 | $1,218 | 9 | |
| Cullman County | $919 | $1,268 | 4 | |
| Dale County | $912 | $1,148 | 13 | |
| Geneva County | $909 | $1,145 | 10 | |
| Franklin County | $858 | $1,160 | 3 | |
| Dallas County | $844 | $1,081 | 17 | |
| Baldwin County — June 2026 profile | $844 | $1,103 | 2,110 | |
| Lee County | $841 | $1,111 | 24 | |
| Henry County | $797 | $1,162 | 3 | |
| Marion County | $667 | $972 | 4 | |
| Lamar County | $626 | $924 | 2 | |
| FIPS 01000 | $117 | $435 | 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, July 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.