Get Flood Insurance Alabama and Save money Too.
People in Alabama save on average $500 to $1,457+ on their annual flood premiums.
In many cases, we save them even more. Get the cheapest flood insurance in Alabama without sacrificing coverage.
Get flood insurance from a Flood Nerd® at Better Flood Insurance® and save big time.
featured on
How Much is Flood Insurance in Alabama?
How much is flood insurance in Alabama?
Floods can happen anywhere, at any time. It can be a painful experience, especially when you have to think about all the damage to your home and all the costs involved in getting your life back together. With unpredictable weather patterns that bring flooding to unexpected places, it’s important to consider flood insurance for your home in Alabama.
There are different levels of protection available depending on where you live. Knowing how much flood insurance in Alabama will cost you is part of protecting what matters most.
Our team of Flood Nerds is experienced in understanding all the options available for your property so that you can confidently make an educated decision. Most of our clients save from $500 – $2,500 on their Alabama flood insurance by moving to one of our many private flood insurance options.
To determine the cost of flood insurance in Alabama, certain variables need to be considered. For an accurate estimate, we’ve created a quick calculator below. But, to obtain a reliable assessment, we recommend requesting a free quote that only takes a few minutes to complete.
Most of our clients in Alabama pay between $500 and $1,500 for home flood insurance.
Learn how much flood insurance coverage could cost for your Alabama home with us today.
Get Cheap Flood Insurance without Compromising Coverage
Affordable Coverage
★★★★★
"Same Coverage at a Better Rate"
-Mohammed K
Flood Nerds will shop the private flood insurance markets and then compare them to the NFIP, guaranteeing you the better option. We will send you the cheapest flood insurance rates within minutes.
Quick Quote & Coverage
★★★★★
"Quick Response, Very Knowledgable"
– Robert W
Paying for low-cost flood insurance is awesome. And letting the Flood Nerds shop your property has other benefits – you can get better coverage while saving money, and you can get it fast.
We Have Satisfied Clients
★★★★★
"Would highly recommend Better Flood for your flood insurance needs."
– Varun K
Better Flood Insurance is an independent flood insurance broker that shops flood insurance ONLY. Flood Nerds are Flood insurance experts. We have 5000+ happy clients and 390+ 5-star reviews.
Flood Insurance Rates Alabama | Flood Insurance Alabama
Does my Alabama homeowner insurance cover flooding?
A typical Alabama homeowners’ policy is written through Farmers, State Farm, Allstate, and Progressive, for instance, excludes flooding as something that will be covered under their homeowner’s policy.
In most cases, the only way to get flood coverage is by purchasing a stand-alone flood insurance policy. However, you should ask your homeowners agent if you can add an endorsement to your homeowner’s policy to cover flooding. Yet, don’t be too surprised if the answer is.
If your home or business is in a flood zone, that is considered a low flood risk area. Sadly, many homeowners decide to forgo purchasing coverage because they believe they are safe from flooding. Some real estate and insurance agents may even say you don’t need it.
I ask you to consider the facts: 20 percent of all flooding events across our nation come in areas that are considered low risk. After our last few major storms (Hurricane Harvey), we saw flooding in these low-risk areas. 80 percent of these individuals had water in their homes or building and didn’t have flood insurance coverage.
Alabama Flood Zone Map
In Harris county, nearly 135,000 homes were damaged. Three-fourths of these properties were considered low to moderate risk.
We often hear that people believe the government will help, which is true. However, a few things must align for you to get government assistance.
- The president of the United States must declare the flooding event a state of emergency. If this doesn’t happen, then there won’t be assistance.
- Homeowners get average assistance after a flood when they do not have flood coverage is $5,000. The average cost of damage to one’s property after a flood is $38,000+. That $5K you get from the government? It comes as a loan, and you will need to pay it back. Are you willing to gamble on your financial future by forgoing flood insurance coverage?