Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Alabama
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Alabama ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Choctaw County | $3,980 | Relatively Low | $111,800 |
| 2 | Escambia County | $2,832 | Relatively Moderate | $122,700 |
| 3 | Baldwin County | $2,508 | Relatively High | $287,000 |
| 4 | Covington County | $2,285 | Relatively Moderate | $142,500 |
| 5 | Sumter County | $2,079 | Relatively Low | $84,100 |
| 6 | Coffee County | $2,062 | Relatively Moderate | $180,300 |
| 7 | Washington County | $1,898 | Relatively Low | $152,800 |
| 8 | Wilcox County | $1,861 | Very Low | $84,200 |
| 9 | Mobile County | $1,858 | Relatively High | $176,600 |
| 10 | Greene County | $1,842 | Very Low | $86,400 |
| 11 | Clarke County | $1,576 | Relatively Low | $126,400 |
| 12 | Lawrence County | $1,563 | Relatively Low | $150,700 |
| 13 | Cherokee County | $1,539 | Relatively Low | $165,900 |
| 14 | Lamar County | $1,524 | Very Low | $112,700 |
| 15 | Marion County | $1,523 | Relatively Low | $104,300 |
| 16 | Bullock County | $1,485 | Very Low | $79,400 |
| 17 | Franklin County | $1,483 | Relatively Low | $128,000 |
| 18 | Colbert County | $1,443 | Relatively Low | $161,600 |
| 19 | Fayette County | $1,420 | Very Low | $121,200 |
| 20 | Crenshaw County | $1,419 | Very Low | $108,400 |
| 21 | Hale County | $1,414 | Very Low | $126,300 |
| 22 | Walker County | $1,403 | Relatively Moderate | $131,100 |
| 23 | Monroe County | $1,396 | Relatively Low | $114,900 |
| 24 | Marshall County | $1,396 | Relatively Moderate | $183,400 |
| 25 | Lauderdale County | $1,387 | Relatively Moderate | $185,800 |
| 26 | Jackson County | $1,386 | Relatively Low | $145,800 |
| 27 | Conecuh County | $1,377 | Very Low | $101,300 |
| 28 | Marengo County | $1,365 | Relatively Low | $103,400 |
| 29 | Morgan County | $1,335 | Relatively Moderate | $193,000 |
| 30 | Winston County | $1,332 | Relatively Low | $110,500 |
| 31 | Lowndes County | $1,317 | Very Low | $80,600 |
| 32 | Houston County | $1,296 | Relatively Moderate | $178,000 |
| 33 | Butler County | $1,293 | Relatively Low | $99,700 |
| 34 | Perry County | $1,293 | Very Low | $87,700 |
| 35 | Pickens County | $1,288 | Relatively Low | $123,300 |
| 36 | Etowah County | $1,284 | Relatively Moderate | $160,600 |
| 37 | Henry County | $1,277 | Very Low | $147,800 |
| 38 | Shelby County | $1,238 | Relatively Moderate | $298,700 |
| 39 | DeKalb County | $1,218 | Relatively Low | $135,500 |
| 40 | Dallas County | $1,201 | Relatively Low | $97,400 |
| 41 | Calhoun County | $1,192 | Relatively Moderate | $149,500 |
| 42 | Limestone County | $1,190 | Relatively Low | $255,100 |
| 43 | Bibb County | $1,188 | Very Low | $132,600 |
| 44 | Coosa County | $1,176 | Very Low | $111,800 |
| 45 | Tallapoosa County | $1,157 | Relatively Low | $144,800 |
| 46 | Talladega County | $1,125 | Relatively Moderate | $137,900 |
| 47 | Geneva County | $1,113 | Relatively Low | $120,200 |
| 48 | Madison County | $1,105 | Relatively High | $267,800 |
| 49 | Cleburne County | $1,033 | Very Low | $144,200 |
| 50 | Clay County | $1,030 | Very Low | $144,700 |
| 51 | Cullman County | $1,008 | Relatively Moderate | $180,500 |
| 52 | Barbour County | $983 | Relatively Low | $109,900 |
| 53 | Jefferson County | $976 | Relatively High | $224,900 |
| 54 | Blount County | $969 | Relatively Low | $169,700 |
| 55 | Montgomery County | $961 | Relatively Moderate | $160,100 |
| 56 | Tuscaloosa County | $953 | Relatively Moderate | $233,700 |
| 57 | St. Clair County | $946 | Relatively Low | $218,500 |
| 58 | Dale County | $937 | Relatively Low | $129,100 |
| 59 | Chilton County | $918 | Relatively Low | $142,300 |
| 60 | Elmore County | $883 | Relatively Low | $213,600 |
| 61 | Autauga County | $877 | Relatively Low | $197,900 |
| 62 | Randolph County | $865 | Very Low | $184,000 |
| 63 | Pike County | $851 | Relatively Low | $149,000 |
| 64 | Chambers County | $812 | Relatively Low | $129,700 |
| 65 | Macon County | $749 | Very Low | $95,700 |
| 66 | Russell County | $620 | Relatively Low | $152,300 |
| 67 | Lee County | $594 | Relatively Low | $238,700 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Alabama