June 2026 NFIP transactions
Flood Insurance Costs in Baldwin County, Alabama
In June 2026, NFIP policies newly written or renewed in Baldwin County averaged $606 in premium and $794 in total policy cost across 3,139 transactions.
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.
Baldwin County headline figures
- Average premium
- $606
- Average total cost
- $794
- Transactions
- 3,139
- State premium rank
- 5 of 5
newly written or renewed policies
premium plus included fees
minimum published threshold: 100
eligible counties in Alabama
Baldwin County, state, and national comparison
The county average premium was 31.2% below the state transaction average and 39.5% below the national transaction average. Its total policy cost was 30.4% below the state figure and 38.4% below the national figure.
| Geography | Avg premium | Avg total cost | Transactions |
|---|---|---|---|
| Baldwin County | $606 | $794 | 3,139 |
| Alabama | $881 | $1,141 | 4,963 |
| United States | $1,001 | $1,289 | 452,418 |
For Baldwin County, a $606 average premium ranks 5 of 5 in the eligible state population. The 3,139-transaction figure was 31.2% below the state transaction average, while total policy cost averaged $794.
Descriptive rank context
- Premium in Alabama
- 5 of 5
- Premium nationally
- 273 of 330
- Transaction volume nationally
- 30 of 330
Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.
Method and limitations
- The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
- Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
- A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
- State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.
Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.