Enter any address in Baldwin County, Alabama to see its FEMA flood zone
Flash flooding from slow-moving storms is the most frequent type of flood event in Baldwin County, Alabama, accounting for 125 incidents over the past 30 years. For example, on April 6, 2025, slow-moving storms dropped 8 to 12 inches of rain in some areas, causing severe flooding that damaged approximately 100 homes in Baldwin County. Other flood-related events include storm surge/tide (15 events), tropical storms (11 events), and hurricanes (3 events).
National Flood Insurance Program (NFIP) data shows a significant number of claims in Zone A (9,946 claims) and Zone V (4,175 claims), indicating a substantial risk in these areas. While Zone X areas have fewer claims, some, like Zone X_UNSHADED, have experienced very high average payouts and water depths, suggesting potential for severe damage even in areas not typically considered high-risk.
Homeowners in coastal areas, properties located in Zone A or V, and those in Zone X areas with high average water depths should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
54 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Baldwin County, Alabama has recorded 170 flood-related events since 1996 according to NOAA's Storm Events Database, including 125 flash floods and 8 river or area floods. The county has received 38 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1969–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Helene | Hurricane | Sep 22, 2024 |
| Hurricane Sally | Hurricane | Sep 14, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Michael | Hurricane | Oct 10, 2018 |
| Hurricane Nate | Hurricane | Oct 6, 2017 |
| Hurricane Irma | Hurricane | Sep 8, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Apr 28, 2014 |
| Hurricane Isaac | Hurricane | Aug 26, 2012 |
| Severe Storms, Tornadoes, And Straight-line Winds | Severe Storm | Apr 27, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Oct 26, 2025 | 0.00K |
| Flash Flood | Aug 13, 2025 | 0.00K |
| Flash Flood | Apr 6, 2025 | 0.00K |
| Flash Flood | May 13, 2024 | 0.00K |
| Coastal Flood | Sep 12, 2024 | 0.00K |
| Coastal Flood | Apr 10, 2024 | — |
| Flash Flood | Apr 27, 2023 | 0.00K |
| Flash Flood | Jun 19, 2023 | 0.00K |
| Flash Flood | May 17, 2023 | 0.00K |
| Flash Flood | Jun 16, 2023 | 0.00K |
Flash Flood — Oct 26, 2025
Slow moving storms caused heavy rainfall and flooding in southwest Alabama.
Flash Flood — Apr 6, 2025
Slow moving storms developed across Mobile and Baldwin county and become stationary. Some areas received 8 to 12 inches of rain causing severe flooding in parts of Mobile and Baldwin counties. Around 100 homes were damaged by flooding in Baldwin County.
Flash Flood — May 13, 2024
Severe thunderstorms moved across southwest Alabama and produced large hail and damaging winds.
Coastal Flood — Sep 12, 2024
Hurricane Francine impacted much of the south central gulf coast states, making landfall in Louisiana. Tropical storm force winds and gusts extended eastward into Mississippi and Alabama, resulting in some minor damage across the area. Coastal flooding additionally impacted much of Mobile and Baldwin Counties.
Coastal Flood — Apr 10, 2024
A severe line of thunderstorms moved across the Gulf Coast during the day. This line of storms produced large and damaging winds along with a couple of tornadoes.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Baldwin County, Alabama:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Baldwin County, Alabama that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.