Limestone County, AL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Limestone County scores at the 76.7th 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 2.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 451 homes FEMA counts inside Limestone County's mapped flood zone, 86 carry the flood policy federal law requires there — 19.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.6% of all residential structures in Limestone County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Limestone County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Limestone County ranks 765 — 1 being the highest hazard nationally — and 537 by population among all 3144 counties covered here, where 1 is the largest. About 118,942 people live in Limestone County, Alabama, spread over 563.398 square miles.
Checking a specific address in Limestone County
218 of Limestone County's 36,523 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Limestone 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.