Coffee County, AL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Coffee County scores at the 84.4th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Coffee County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Coffee County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 20.1% of them do — 94 active policies against 467 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.6% of all residential structures in Coffee County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Coffee County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Coffee County ranks 514 — 1 being the highest hazard nationally — and 931 by population among all 3144 counties covered here, where 1 is the largest. About 56,358 people live in Coffee County, Alabama, spread over 679.066 square miles.
What to do next if you own or are buying in Coffee County
FEMA counts 24,862 residential structures in Coffee County overall, 151 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Coffee 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.