Marshall County, AL flood risk explained
Flood hazard in Marshall County sits at the 85.3th national percentile, 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 1.8 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Marshall County
Out of 363 homes FEMA counts inside Marshall County's mapped flood zone, 41 carry the flood policy federal law requires there — 11.3% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Marshall County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Marshall County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Marshall County ranks 484 — 1 being the highest hazard nationally — and 612 by population among all 3144 counties covered here, where 1 is the largest. Marshall County, Alabama covers 565.854 square miles and counts roughly 102,156 residents.
Checking a specific address in Marshall County
Across all of Marshall County's 38,381 residential structures, 71 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Marshall 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.