Cleburne County, AL flood risk explained
Flood hazard in Cleburne County sits at the 37.2th national percentile, 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 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 127 homes FEMA counts inside Cleburne County's mapped flood zone, 3 carry the flood policy federal law requires there — 2.4% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Cleburne County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cleburne County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cleburne County ranks 2039 — 1 being the highest hazard nationally — and 2044 by population among all 3144 counties covered here, where 1 is the largest. About 15,905 people live in Cleburne County, Alabama, spread over 560.128 square miles.
Checking a specific address in Cleburne County
3 of Cleburne County's 6,341 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Cleburne County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.