Flood risk in Birmingham

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Birmingham area shows Zone AE, Zone A, Zone AH alongside Zone X, which is the lower-risk designation.

Birmingham is in FEMA's Community Rating System at Class 5, which earns residents 25% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 010116.

Birmingham earns a 25% community discount on flood premiums, and most people who qualify have never been told. Worth confirming you are getting it.

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