Here you’ll find answers to some of our most frequently asked questions – about both the requirements and flood insurance coverages that are available in Alabama. We aim to not only provide you the best flood insurance options, but also help educate you on what flood insurance is, why you need it, and how Alabama Flood Insurance can help.
(up to a maximum limit based on your policy). Please use the attached document as a guide
for what is and is not covered so you can better understand your flood insurance policy.
me to buy flood insurance?
for my property?
Everyone is eligible; it just depends on what zone and community you live in to qualify for the National Flood Insurance Program (NFIP) coverage. If you don’t live in an area that participates with the NFIP, you could still be eligible through a private carrier, which Alabama Flood Insurance has direct access to.
Yes and no.
You can obtain a quote online, but will need to contact your agent to bind coverage. Alabama Flood Insurance offers a quick (less than 15 minutes) online quoting process. Our online process provides your flood zone determination as well as your estimated yearly premium if you’re in flood zones B, C, or X. You will, however, still need to speak with one of our flood agents to bind the policy as additional information will be required (as with any insurance provider).
Keep in mind you can only purchase flood insurance through an insurance agent;
you cannot buy it directly from the National Flood Insurance Program (NFIP). Since Alabama Flood Insurance is a general agent, we can easily process all flood insurance policies through the NFIP or through one of our many private carriers.
assistance cover my property?
live in a high-risk zone.
than what the NFIP policy offers?
In 2014 on average, the cost of a flood insurance policy for $100,000 in premium coverage on a house located in a high-risk flood zone in Birmingham, Alabama was about $800 per year. However, due to recent flood insurance reform, this amount may not reflect current flood insurance costs.
In low- to moderate-risk flood zones, where the risk of flooding is still moderately high, lower flood insurance rate options are available.
damage caused by threats such as fire, lightning strikes, hail, windstorms, theft or vandalism. Though there are other policies that cover additional risks, floods and earthquakes are usually discounted from homeowners’ insurance policies.