Forestdale’s building-damage rate from tornadoes is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Forestdale gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #62 of 187 in Alabama. Most of that expected damage is river and rain flooding (76%), then tornadoes (17%). Flood insurance has paid 5 claims here since 1983.
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 Forestdale 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 Forestdale’s grade
River and rain flooding is 76% of the building damage FEMA expects in Forestdale, and Forestdale’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 4% of U.S. census tracts.
C+ #62 of 187 in Alabama; higher expected damage per building than 59% of U.S. towns (21,298).
Forestdale’s residents live in 5 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, Forestdale has less expected damage per building than 67% of Alabama towns.
In dollars, FEMA expects about $3.4M a year in losses across Forestdale: $2.2M to buildings, the rest to people and crops.
Does Forestdale flood? Rarely: 5 flood claims since 1983
Every paid claim on a federal flood insurance policy in Forestdale, from FEMA’s records: 1.2 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Claudette1 claim · $4K
Forestdale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.4 federal disasters brought FEMA money to Forestdale
Disasters that paid out in Forestdale itself (aid to households or repair grants to Forestdale), newest first, with that year’s flood claims.
- 2021Severe Storms and Flooding1 households applied for aid$3K aid approved1 flood claim paid that year
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding42 households applied for aid$23K aid approved
- 2004Hurricane Ivan3 households applied for aid$1K aid approved
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$958 aid approved1 flood claim paid that year
Jefferson County has had 35 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 Jefferson County, 2000–2000.
Old photos of Forestdale after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Forestdale archive →Forestdale and its neighbors
Forestdale is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Adamsville | Bless damage than 60% | river and rain flooding | 1 |
| Forestdale | C+more damage than 59% | river and rain flooding | 5 |
| Birmingham | C+more damage than 64% | river and rain flooding | 898 |
| Brookside | C−more damage than 76% | river and rain flooding | 22 |
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 Forestdale 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 Forestdale
Is Forestdale at risk for natural disasters?
On FEMA’s National Risk Index, Forestdale has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #62 of 187 in Alabama. Most of the expected damage is river and rain flooding (76%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Forestdale flood?
Flood insurance has paid 5 claims in Forestdale since 1983, $47K in all, or 1.2 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Claudette (1).
Is Forestdale 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 Jefferson County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Forestdale?
FEMA’s Community Rating System list shows no discount for Forestdale’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Forestdale?
By FEMA money that reached Forestdale, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2011): 42 households applied for aid, $23K approved. By flood claims, Tropical Storm Claudette: 1 paid, $4K.
Is Forestdale at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Forestdale’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Forestdale.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Forestdale’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.