Is Colbert County, AL in a flood zone?
FEMA's National Risk Index puts Colbert County's flood hazard at the 76.5th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.9 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Colbert County
Out of 446 homes FEMA counts inside Colbert County's mapped flood zone, 51 carry the flood policy federal law requires there — 11.4% compliance, short of full coverage. Across all residential structures in Colbert County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Colbert County ranks
Colbert County sits at rank 773 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 907 of 3144 by population (1 is biggest). About 58,785 people live in Colbert County, Alabama, spread over 592.953 square miles.
Your street may differ from Colbert County's average
FEMA counts 24,006 residential structures in Colbert County overall, 81 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 Colbert 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.