Reading the crack: stair-step, vertical, horizontal
Stair-step cracks follow the mortar joints of brick veneer or block walls in a staircase pattern. They are the classic sign of differential settlement: one part of the footing has moved relative to the rest. Here that often tracks the dry season, when clay shrinks. September is the driest month at 3.49 inches against a 54.29-inch annual normal (NOAA 1991–2020, Huntsville International Airport), and the 2016 drought, with 0.47 inches in September and 0.77 inches in October, was followed four years later by 70.52 inches in 2020, Huntsville's fourth-wettest year, per the UAH Alabama Climate Report, as summarized. That shrink-then-swell sequence is what opens and reopens stair-step cracks.
Vertical and near-vertical cracks in a poured concrete wall are often shrinkage from the original cure. Narrow, uniform and dry, they are a sealing matter. Wider at one end, or paired with a step in the floor, they point to movement.
Horizontal cracks in a basement or crawl space wall, especially partway up a block wall, are the ones to take seriously. They usually mean lateral soil pressure is pushing the wall inward. Saturated clay in the wet winter months is the typical load. A horizontal crack with measurable bowing or a wall that leans at the top calls for reinforcement, not sealant.