Does Cox flood?
Cox, Mobile, AL · ZIP code 36605: the ZIP code on 83 of the 87 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Cox have filed flood claims. About 11% of Cox’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 87 claims from the Census block groups that cover Cox, from 1979 through 2020. 70 of them received a payment, totaling $1,409,680 (not adjusted for inflation). The busiest years were 2005 (22 claims), 1981 (17 claims), 1979 (10 claims).
What this page counts as Cox
We could not find an openly licensed official boundary for Cox, so this page uses a census-based area. For this page, Cox means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Cox (feature 154667), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Cox. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Cox
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Cox
The named streets in Cox, longest first, with how much of each street’s length inside Cox lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Cox; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 40 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| I-10 | 3.1 mi | 1.5% | X (unshaded, minimal) (78%) |
| Dauphin Island Pkwy | 2.2 mi | 0.0% | X (unshaded, minimal) (98%) |
| Eagle Dr | 4,740 ft | 5.8% | X (unshaded, minimal) (93%) |
| W Cardinal Dr | 4,530 ft | 0.0% | X (unshaded, minimal) (93%) |
| E Cardinal Dr | 3,700 ft | 1.6% | X (unshaded, minimal) (97%) |
| Michigan Ave | 2,450 ft | 0.0% | X (unshaded, minimal) (100%) |
| N McVay Dr | 2,410 ft | 18% | X (unshaded, minimal) (68%) |
| Raven Dr | 2,320 ft | 0.0% | X (unshaded, minimal) (100%) |
| E Linwood Dr | 2,310 ft | 0.0% | X (unshaded, minimal) (100%) |
| Webb Ave | 2,150 ft | 16% | X (unshaded, minimal) (73%) |
| S Maryvale St | 2,050 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bordeaux Dr | 1,850 ft | 0.0% | X (unshaded, minimal) (100%) |
| Height St | 1,790 ft | 2.2% | X (unshaded, minimal) (95%) |
| Robinson Dr | 1,720 ft | 3.5% | X (unshaded, minimal) (90%) |
| S Bucker Rd | 1,700 ft | 26% | X (unshaded, minimal) (64%) |
| Jackson Rd | 1,520 ft | 0.0% | X (unshaded, minimal) (95%) |
| N Maryvale St | 1,500 ft | 0.0% | X (unshaded, minimal) (100%) |
| Englewood St | 1,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Bobolink Dr | 1,480 ft | 0.0% | X (unshaded, minimal) (100%) |
| Delta St | 1,460 ft | 0.0% | X (unshaded, minimal) (100%) |
| Windsor Ave | 1,410 ft | 0.0% | X (unshaded, minimal) (100%) |
| Greenwood Ave | 1,410 ft | 0.0% | X (unshaded, minimal) (100%) |
| Brooke Ave | 1,410 ft | 0.0% | X (unshaded, minimal) (100%) |
| Zula Ln | 1,380 ft | 8.1% | X (unshaded, minimal) (76%) |
| Stockton Dr | 1,350 ft | 35% | X (unshaded, minimal) (52%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Cox
Share of Cox’s mapped area (about 2.609 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 11 to 11 feet. Effective date of the FIRM panel(s) covering it (01097C0562L, 01097C0563L, 01097C0564L): June 5, 2020.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 82% |
| AE | 11% |
| X (shaded, 0.2% annual chance) | 7.0% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Cox. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 10 | $130,004 |
| 1980s | 27 | $35,165 |
| 1990s | 13 | $82,028 |
| 2000s | 33 | $1,150,225 |
| 2010s | 3 | $12,259 |
| 2020s | 1 | $0 |
By year of loss
Named flood events with the most claims
- Hurricane Katrina: 21 claims
- Flooding: 18 claims
- Hurricane Frederic: 10 claims
- Hurricane Georges: 5 claims
- Hurricane Ivan: 4 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 41
- X/B/C (moderate or minimal): 34
- V/VE (coastal high hazard): 6
- Other (D): 5
- Not reported: 1
How much is flood insurance in Cox?
The typical National Flood Insurance Program policy on single-family homes in Cox costs $1,173 a year: the median of 16 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $905 and $1,393. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.
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Before you rent or buy in Cox
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Cox
Flood maps are only one part of choosing a neighborhood. To compare Cox with other Mobile neighborhoods on more than flooding, see Mobile on StrollPlace.
Buyer and renter FAQ
Does Cox flood?
Yes. Insured properties in and around Cox have filed flood claims. About 11% of Cox’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 87 claims from the Census block groups that cover Cox, from 1979 through 2020. 70 of them received a payment, totaling $1,409,680 (not adjusted for inflation). The busiest years were 2005 (22 claims), 1981 (17 claims), 1979 (10 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Cox in a flood zone?
About 11% of Cox’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 82%; AE 11%; X (shaded, 0.2% annual chance) 7.0%. The FIRM panel(s) covering it took effect June 5, 2020.
Which streets in Cox are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of I-10, Dauphin Island Pkwy, Eagle Dr, W Cardinal Dr, E Cardinal Dr, Michigan Ave, Raven Dr and E Linwood Dr does. Zones can change along a street, so check the exact address.
What ZIP code is Cox in?
Cox is in Mobile, AL. ZIP code 36605: the ZIP code on 83 of the 87 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Cox?
The typical NFIP flood insurance policy on single-family homes in Cox cost $1,173 a year: the median of 16 policies that started between August 1, 2025 and July 31, 2026. Half cost between $905 and $1,393. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Forest Park flood?
- Does Belvedere flood?
- Does Mertz flood?
- Does Navco flood?
- Does Farnell flood?
- Does Brookwood flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Mobile County (county code 01097), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 010970023021, 010970023013, 010970023012, 010970015012. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 25, 2026.