Brook Highland’s building-damage rate from tornadoes is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Brook Highland gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #9 of 187 in Alabama. Most of that expected damage is river and rain flooding (58%), then tornadoes (32%). Flood insurance has paid 2 claims here since 2013.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Brook Highland faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Brook Highland’s grade
River and rain flooding is 58% of the building damage FEMA expects in Brook Highland, and Brook Highland’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Tornadoes add 32%, at a rate in the top 1% of U.S. census tracts.
B #9 of 187 in Alabama; lower expected damage per building than 63% of U.S. towns (21,298).
Brook Highland’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Alabama town has higher expected damage than 66% of U.S. towns; within the state, Brook Highland has less expected damage per building than 96% of Alabama towns.
In dollars, FEMA expects about $2.6M a year in losses across Brook Highland: $1.5M to buildings, the rest to people and crops.
Does Brook Highland flood? Rarely: 2 flood claims since 2013
Every paid claim on a federal flood insurance policy in Brook Highland, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
Brook Highland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Shelby County.The storms Brook Highland remembers
None of the 22 disasters declared for Shelby County shows FEMA aid or repair money reaching Brook Highland itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidNo declaration for the county that year
- 20221 flood claims paidNo declaration for the county that year
Shelby County has had 22 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Shelby County, 1999–1999.
Old photos of Brook Highland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Brook Highland archive →Brook Highland and its neighbors
Brook Highland has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Brook Highland | Bless damage than 63% | river and rain flooding | 2 |
| Birmingham | C+more damage than 64% | river and rain flooding | 898 |
| Hoover | Cmore damage than 69% | river and rain flooding | 130 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Brook Highland faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Brook Highland
Is Brook Highland at risk for natural disasters?
On FEMA’s National Risk Index, Brook Highland has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #9 of 187 in Alabama. Most of the expected damage is river and rain flooding (58%) and tornadoes (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Brook Highland flood?
Flood insurance has paid 2 claims in Brook Highland since 2013, $53K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record.
Is Brook Highland in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Shelby County, 31% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Brook Highland?
FEMA’s Community Rating System list shows no discount for Brook Highland’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Brook Highland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Brook Highland’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Brook Highland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Brook Highland’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.