Enter any address in Elmore County, Alabama to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Elmore County, AL, with 43 occurrences recorded in the last 30 years. Recent examples include localized flooding on Highway 14 west of Wetumpka in August 2025 due to heavy rainfall, and flooding in parts of Elmore County in January 2024 following thunderstorms that dropped up to 5 inches of rain. Tropical Storms have also impacted the area, with Zeta causing significant weather in October 2020.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the most claims, with an average payout of $13,606 and an average water depth of 8.8 feet. However, Zone X properties have seen higher average payouts ($26,437) with an average water depth of 6.8 feet, indicating that significant flood damage can occur outside of the highest-risk zones. Residents in Zone A, as well as those in Zone X and X_Shaded, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
21 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Elmore County, Alabama has recorded 55 flood-related events since 1996 according to NOAA's Storm Events Database, including 43 flash floods and 4 river or area floods. The county has received 24 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1975–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Helene | Hurricane | Sep 22, 2024 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Mar 24, 2023 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Jan 12, 2023 |
| Hurricane Zeta | Hurricane | Oct 28, 2020 |
| Hurricane Sally | Hurricane | Sep 14, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Nate | Hurricane | Oct 6, 2017 |
| Hurricane Irma | Hurricane | Sep 8, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Dec 23, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 23, 2025 | 0.00K |
| Flash Flood | Jan 9, 2024 | 0.00K |
| Flash Flood | May 3, 2021 | 0.00K |
| Tropical Storm | Oct 29, 2020 | 0.00K |
| Flash Flood | Aug 19, 2020 | 0.00K |
| Flash Flood | May 30, 2018 | 0.00K |
| Tropical Depression | May 29, 2018 | 0.00K |
| Flash Flood | Sep 10, 2018 | 0.00K |
| Flash Flood | May 20, 2017 | 0.00K |
| Flash Flood | Jun 18, 2017 | 0.00K |
Flash Flood — Aug 23, 2025
Thunderstorm activity over Elmore and Montgomery counties late on August 23 led to isolated flooding issues. Highway 14 west of Wetumpka had minor flooding after a couple inches of rain fell. Meanwhile, more extensive flooding took place around Meriwether Rd in Pike Road, with the roadway being closed after radar estimates of 4-5 of rain fell in the immediate area.
Flash Flood — Jan 9, 2024
A line of thunderstorms moved across Central Alabama early on January 9, bringing heavy rainfall across much of the area. Rainfall totals were highest along the Interstate 65 corridor from Birmingham to Montgomery, with up to 5 inches of rain resulting in flooding in parts of Autauga and Elmore counties. Aside from the precipitation, strong gradient winds late January 8 through the day on Janua...
Flash Flood — May 3, 2021
A multi-day severe weather event unfolded across Central Alabama from May 2nd through May 4th. Alabama remained on the eastern side of a broad upper trough positioned over the Plains States. Several upper level impulses emanated from the trough axis and produced severe weather across Alabama. The main severe weather event occurred on May 4th when a QLCS tracked eastward across areas along and ...
Tropical Storm — Oct 29, 2020
Tropical cyclone Zeta developed over the Western Caribbean Sea on Saturday, October 24, and slowly moved west. The tropical storm emerged into the Southern Gulf of Mexico on Tuesday, October 27th. Zeta turned northwest and became a hurricane on Wednesday, October 28th. Zeta made landfall in southeast Louisiana late on Wednesday, then moved northeast into southwest Alabama late Wednesday night. ...
Flash Flood — Aug 19, 2020
A surface boundary was positioned along the I-20/I-59 corridor. A short wave trough near the Mississippi/Alabama state line would provide the necessary lift along the surface boundary for the development of a line of strong to severe storms along and east of I-65.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Elmore County, Alabama:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Elmore County, Alabama that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.