Flood history · Theodore, AL 36582
Flood insurance claims in Theodore, AL 36582
888 claims since 1978 and $25.1 million 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 36582 since 1978.
What the record says
74% of claims were on properties in high-risk zones and 26% outside them.
Losses are spread across many events; the largest, Hurricane Katrina, accounts for 35% of claims.
37 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Dauphin Island, Town Of takes part in FEMA's Community Rating System (class 6), which can lower flood insurance premiums by up to 20% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Katrina | 2005 | 309 | 35% |
| Hurricane Georges | 1998 | 194 | 22% |
| Hurricane Frederic | 1979 | 74 | 8% |
| Hurricane Danny | 1997 | 60 | 7% |
| Hurricane Ivan | 2004 | 26 | 3% |
| Tropical Storm Isidore | 2002 | 22 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Mobile County
Flood, hurricane and storm declarations since 2000.
25 flood, storm or hurricane declarations for Mobile County since 2000.
Check a specific address in Theodore.
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.