Is Chambers County, AL in a flood zone?
FEMA's National Risk Index puts Chambers County's flood hazard at the 57.5th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Chambers County's flood-insurance compliance gap
13.2% of the homes FEMA requires to carry flood insurance in Chambers County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 17 policies against 129 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Chambers County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Chambers County against the rest of the country
Chambers County sits at rank 1399 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1344 of 3144 by population (1 is biggest). Chambers County, Alabama covers 596.559 square miles and counts roughly 33,813 residents.
Checking a specific address in Chambers County
FEMA counts 14,662 residential structures in Chambers County overall, 24 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Chambers County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.