Mobile County, AL flood risk explained
Flood hazard in Mobile County sits at the 95.9th national percentile, well above the national norm for flood hazard; split between inland river flooding (about 3.7 times a year) and coastal storm surge (about 4.8 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.
Who actually carries the flood insurance FEMA requires
45.2% of the homes FEMA requires to carry flood insurance in Mobile County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4,277 policies against 9,472 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 3.6% of all residential structures in Mobile County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Mobile County ranks
Among the 3144 US counties FEMA scores for flood hazard, Mobile County ranks 141 — 1 being the highest hazard nationally — and 186 by population among all 3144 counties covered here, where 1 is the largest. About 412,339 people live in Mobile County, Alabama, spread over 1,229.382 square miles.
Checking a specific address in Mobile County
Across all of Mobile County's 150,048 residential structures, 5,422 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Mobile County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Mobile County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.