Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Alabama
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
Alabama ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Lee County | $594 | Relatively Low | $238,700 |
| 2 | Russell County | $620 | Relatively Low | $152,300 |
| 3 | Macon County | $749 | Very Low | $95,700 |
| 4 | Chambers County | $812 | Relatively Low | $129,700 |
| 5 | Pike County | $851 | Relatively Low | $149,000 |
| 6 | Randolph County | $865 | Very Low | $184,000 |
| 7 | Autauga County | $877 | Relatively Low | $197,900 |
| 8 | Elmore County | $883 | Relatively Low | $213,600 |
| 9 | Chilton County | $918 | Relatively Low | $142,300 |
| 10 | Dale County | $937 | Relatively Low | $129,100 |
| 11 | St. Clair County | $946 | Relatively Low | $218,500 |
| 12 | Tuscaloosa County | $953 | Relatively Moderate | $233,700 |
| 13 | Montgomery County | $961 | Relatively Moderate | $160,100 |
| 14 | Blount County | $969 | Relatively Low | $169,700 |
| 15 | Jefferson County | $976 | Relatively High | $224,900 |
| 16 | Barbour County | $983 | Relatively Low | $109,900 |
| 17 | Cullman County | $1,008 | Relatively Moderate | $180,500 |
| 18 | Clay County | $1,030 | Very Low | $144,700 |
| 19 | Cleburne County | $1,033 | Very Low | $144,200 |
| 20 | Madison County | $1,105 | Relatively High | $267,800 |
| 21 | Geneva County | $1,113 | Relatively Low | $120,200 |
| 22 | Talladega County | $1,125 | Relatively Moderate | $137,900 |
| 23 | Tallapoosa County | $1,157 | Relatively Low | $144,800 |
| 24 | Coosa County | $1,176 | Very Low | $111,800 |
| 25 | Bibb County | $1,188 | Very Low | $132,600 |
| 26 | Limestone County | $1,190 | Relatively Low | $255,100 |
| 27 | Calhoun County | $1,192 | Relatively Moderate | $149,500 |
| 28 | Dallas County | $1,201 | Relatively Low | $97,400 |
| 29 | DeKalb County | $1,218 | Relatively Low | $135,500 |
| 30 | Shelby County | $1,238 | Relatively Moderate | $298,700 |
| 31 | Henry County | $1,277 | Very Low | $147,800 |
| 32 | Etowah County | $1,284 | Relatively Moderate | $160,600 |
| 33 | Pickens County | $1,288 | Relatively Low | $123,300 |
| 34 | Perry County | $1,293 | Very Low | $87,700 |
| 35 | Butler County | $1,293 | Relatively Low | $99,700 |
| 36 | Houston County | $1,296 | Relatively Moderate | $178,000 |
| 37 | Lowndes County | $1,317 | Very Low | $80,600 |
| 38 | Winston County | $1,332 | Relatively Low | $110,500 |
| 39 | Morgan County | $1,335 | Relatively Moderate | $193,000 |
| 40 | Marengo County | $1,365 | Relatively Low | $103,400 |
| 41 | Conecuh County | $1,377 | Very Low | $101,300 |
| 42 | Jackson County | $1,386 | Relatively Low | $145,800 |
| 43 | Lauderdale County | $1,387 | Relatively Moderate | $185,800 |
| 44 | Marshall County | $1,396 | Relatively Moderate | $183,400 |
| 45 | Monroe County | $1,396 | Relatively Low | $114,900 |
| 46 | Walker County | $1,403 | Relatively Moderate | $131,100 |
| 47 | Hale County | $1,414 | Very Low | $126,300 |
| 48 | Crenshaw County | $1,419 | Very Low | $108,400 |
| 49 | Fayette County | $1,420 | Very Low | $121,200 |
| 50 | Colbert County | $1,443 | Relatively Low | $161,600 |
| 51 | Franklin County | $1,483 | Relatively Low | $128,000 |
| 52 | Bullock County | $1,485 | Very Low | $79,400 |
| 53 | Marion County | $1,523 | Relatively Low | $104,300 |
| 54 | Lamar County | $1,524 | Very Low | $112,700 |
| 55 | Cherokee County | $1,539 | Relatively Low | $165,900 |
| 56 | Lawrence County | $1,563 | Relatively Low | $150,700 |
| 57 | Clarke County | $1,576 | Relatively Low | $126,400 |
| 58 | Greene County | $1,842 | Very Low | $86,400 |
| 59 | Mobile County | $1,858 | Relatively High | $176,600 |
| 60 | Wilcox County | $1,861 | Very Low | $84,200 |
| 61 | Washington County | $1,898 | Relatively Low | $152,800 |
| 62 | Coffee County | $2,062 | Relatively Moderate | $180,300 |
| 63 | Sumter County | $2,079 | Relatively Low | $84,100 |
| 64 | Covington County | $2,285 | Relatively Moderate | $142,500 |
| 65 | Baldwin County | $2,508 | Relatively High | $287,000 |
| 66 | Escambia County | $2,832 | Relatively Moderate | $122,700 |
| 67 | Choctaw County | $3,980 | Relatively Low | $111,800 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Alabama