Enter any address in Montgomery County, Alabama to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event in Montgomery County, AL, accounting for 41 events in the last 30 years. For example, slow-moving thunderstorms on April 6, 2025, caused flooding across Central Alabama, and on August 23, 2025, isolated flooding occurred in Elmore and Montgomery counties due to thunderstorm activity.
National Flood Insurance Program (NFIP) data shows that Zone A, typically representing areas with a 1% annual chance of flooding, has had 194 claims with an average payout of $13,878 and an average water depth of 1.4 feet. Zone X, representing areas with a 0.2% annual chance of flooding, has had 101 claims with a higher average payout of $19,300 and an average water depth of 4.5 feet. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood risk, should pay close attention to flood potential.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
17 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Alabama has recorded 56 flood-related events since 1996 according to NOAA's Storm Events Database, including 41 flash floods and 8 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 |
| Hurricane Sally | Hurricane | Sep 14, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Michael | Hurricane | Oct 10, 2018 |
| Hurricane Nate | Hurricane | Oct 6, 2017 |
| Hurricane Irma | Hurricane | Sep 8, 2017 |
| Severe Storms, Tornadoes, And Straight-line Winds | Severe Storm | Apr 27, 2011 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Apr 15, 2011 |
| Severe Storms, Tornadoes, Flooding, And Straight-line Winds | Severe Storm | May 6, 2009 |
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 | Apr 6, 2025 | 0.00K |
| Flood | Feb 13, 2024 | 0.00K |
| Flash Flood | Feb 11, 2024 | 0.00K |
| Flash Flood | Jun 4, 2024 | 0.00K |
| Flash Flood | Aug 27, 2022 | 0.00K |
| Flash Flood | Aug 25, 2022 | 0.00K |
| Flash Flood | Aug 2, 2021 | 0.00K |
| Tropical Storm | Oct 29, 2020 | 0.00K |
| Tropical Depression | May 29, 2018 | 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 — Apr 6, 2025
Deep-layer ridging over the Southeast United States held up a trough over the Central United States for the first few days of April, leading to a prolonged and significant severe weather and flooding event from Texas to Ohio and West Virginia along a stalled boundary. As the ridge began to retreat eastward, a cold front slowly progressed through Central Alabama on April 6, with an all-hazards w...
Flood — Feb 13, 2024
A slow-moving storm system brought several inches of rainfall to most of Central Alabama from early morning on February 11 through the evening of February 12. While most areas saw at least 1-2 inches of rain, parts of southern and southeastern Central Alabama recorded as much as 8 inches, especially across parts of Lee, Macon, and Russell counties. Waves of heavy rainfall resulted in flooding a...
Flash Flood — Feb 11, 2024
A slow-moving storm system brought several inches of rainfall to most of Central Alabama from early morning on February 11 through the evening of February 12. While most areas saw at least 1-2 inches of rain, parts of southern and southeastern Central Alabama recorded as much as 8 inches, especially across parts of Lee, Macon, and Russell counties. Waves of heavy rainfall resulted in flooding a...
Flash Flood — Jun 4, 2024
Scattered showers and thunderstorms affected Central Alabama during the afternoon and evening of June 4. One slow-moving thunderstorm over the city of Montgomery dumped 2-3 inches of rain within two hours, resulting in significant street flooding along and south of Interstate 85.
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 Montgomery 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 Montgomery 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.