Natural hazards · Brook Highland

Brook Highland, AL natural hazards

Most of the natural-hazard damage FEMA expects in Brook Highland comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2013.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Brook Highland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Brook Highland to be higher than in 37% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes42%Inland flooding35%Cold waves8%Earthquakes6%Everything else10%

By hazard

What Brook Highland faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Tornadoes

42% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

35% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

6% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Brook Highland flood?

Every paid claim on a federal flood insurance policy in Brook Highland, from FEMA’s records.

2paid claims since 2013

$53Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

No community discount. 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.

Disasters that hit Brook Highland

Federal disasters declared here

None of the disasters declared for Shelby County shows FEMA aid or repair money reaching Brook Highland itself in FEMA’s records.

Brought FEMA money into Brook HighlandDeclared for Shelby County only

Shelby County has had 24 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Brook Highland

Brook Highland and the towns around it

Very lowLowModerateHighVery high

Hoovermostly inland floodingHigh

Birminghammostly inland floodingHigh

Brook Highlandmostly tornadoesLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Brook Highland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Brook Highland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Brook Highland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Brook Highland total about $3.2M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.