Flood history · Montgomery, AL 36116
Flood insurance claims in Montgomery, AL 36116
55 claims since 1979 and $740,471 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 36116 since 1978.
What the record says
80% of claims were on properties in high-risk zones and 20% outside them.
Losses are spread across many events; the largest, Unnamed flooding, accounts for 15% of claims.
7 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1980 | 8 | 15% |
| Hurricane Opal | 1995 | 6 | 11% |
| Hurricane Ivan | 2004 | 4 | 7% |
| Hurricane Georges | 1998 | 1 | 2% |
| Hurricane Danny | 1997 | 1 | 2% |
| Early winter storms | 2015 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Montgomery County
Flood, hurricane and storm declarations since 2000.
13 flood, storm or hurricane declarations for Montgomery County since 2000.
Check a specific address in Montgomery.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.