Winston County, AL flood risk explained
Flood hazard in Winston County sits at the 64.7th national percentile, below the national norm for flood hazard; 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.
Mandatory flood insurance compliance in Winston County
Out of 110 homes FEMA counts inside Winston County's mapped flood zone, 26 carry the flood policy federal law requires there — 23.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Winston County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Winston County ranks
Among the 3144 US counties FEMA scores for flood hazard, Winston County ranks 1160 — 1 being the highest hazard nationally — and 1654 by population among all 3144 counties covered here, where 1 is the largest. About 23,869 people live in Winston County, Alabama, spread over 613 square miles.
Your street may differ from Winston County's average
FEMA counts 12,456 residential structures in Winston County overall, 30 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Winston 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.