If you live in Alabama, flooding might not be new to you however these flood events still surprise homeowners across the state. So you might be wondering, how can I fight these flood risks that I face especially in Birmingham, Alabama in Jefferson County, and Shelby County.

Birmingham, Alabama Flood: One Year Later

In this article, we take a look back at how this flood event of October 2021 impacted flood insurance in Birmingham, Alabama.

The Birmingham Flood of October 5th

On October 2nd and 7th of 2021, Central Alabama was met with off-and-on heavy rains and storms. This is when around 6-10 inches of rain was dumped on the area causing widespread flooding. The Birmingham area alone received at least 4 inches of rainfall with central Birmingham receiving more than 6 inches of rainfall. This immediately led to flash flooding in the area.


The flooding caused a total of 66 emergency calls between October 6th and 7th which lead to 16 water rescues from flooded properties and stranded vehicles. Sadly, this flood event also caused a total of 4 fatalities in Marshall and Shelby Counties.

In less than 3 days, Central Alabama was easily ravaged by this flood event. So how did this flooding impact flood insurance for Alabama?

Birmingham, Alabama Flood: One Year Later

The Impacts of the Flood of October 2021

For those who have active flood insurance policies, regardless of whether it's from the National Flood Insurance Program (NFIP) or private flood insurance companies, this flood event meant filing flood claims. You might be wondering, how will these insurance claims ripple into the present day.

NFIP Risk Rating 2.0

First, let's discuss what this could mean for policyholders of the National Flood Insurance Program (NFIP). When it comes to the NFIP especially considering that this flood event already was when Risk Rating 2.0 first went live. If you filed a flood claim and got payment from the NFIP due to this flood event, this could impact your flood insurance premium rates.

This is because Risk Rating 2.0 uses a claim variable wherein your previous flood claims will be forgiven. However, once you file a flood claim, the Federal Emergency Management Agency (FEMA) and the NFIP Risk Rating 2.0 will do a 20-year lookback. This means that you will be rated on how many claims you have made in the last 20 years and it gets included in the calculation of your flood insurance premium upon renewal.

Birmingham, Alabama Flood: One Year Later

Private Flood

On the other hand, a private flood might also present some unpleasant situations upon filing a flood insurance claim. Some flood insurance carriers might stop providing to your community or also known as moratoriums. Equally, if moratoriums won't happen in a specific community, policyholders might find it difficult to renew their flood insurance policy

This also means that if you get to renew your flood policy, you might see an increase in your flood insurance rates.

You may be asking, does paying off my mortgage lower the cost of flood insurance for me?

Birmingham, Alabama Flood: One Year Later

Mortgage & Flood Insurance

Sad to say, paying off your mortgage will not really impact the cost of flood insurance for you. This means that you won't see any decrease in flood insurance costs. Regardless if it's an annual or monthly mortgage payment, it won't really have any influence on your flood insurance rates.

This will, however, impact flood insurance requirements. Keep in mind that even if you're in a low-risk flood zone, your mortgage or lender may require you to buy a flood policy for the property. This is especially true for properties that sit in high-risk areas. High-risk flood areas include properties that are mapped into Flood Zone A, Flood Zone AE, or the Special Flood Hazard Area (SFHA).

This doesn't mean that you shouldn't buy flood insurance even if you're in a low-risk area or flood zone like Flood Zone X. Remember, 30% of flood insurance claims from these zones. 

If you want to know your flood insurance options, how to handle your flood insurance in Birmingham, or anything related to floods, click below to go to our Flood Learning Center where we try to answer these questions for you.


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