How much is Flood Insurance in Alabama?
The average cost per policy in Alabama through the NFIP is $1,052.21. Depending on where you live, this average could vary substantially! If you're interested in a quote for a private flood insurance policy to compare costs to the NFIP, we offer both! Quote online to compare costs and coverages side-by-side with our quick online quote tool.
Average Costs through the NFIP
City | Average Cost per Policy |
|---|---|
Birmingham | $1,582.28 |
Huntsville | $1,339.12 |
Montgomery | $1,242.82 |
Mobile | $1,535.42 |
Tuscaloosa | $1,454.07 |
Hoover | $1,229.38 |
Dothan | $1,190.67 |
Auburn | $924.71 |
Decatur | $1,372.71 |
Madison | $1,165.10 |
Prices as of 11/30/24.
Our Private Flood Insurance Prices are Often Lower!
Our private flood insurance averages are often much lower than those shown above! Get a quote online and find out how much we can save you.
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Easily compare top-rated private flood insurance carrier prices with an NFIP quote. We offer both! Quote online to compare prices and save money on flood insurance.
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NFIP vs. Private Flood Insurance
How do I get cheap Flood Insurance in Alabama?
Quote the NFIP and top-rated private flood insurance carriers with our quick online quote tool. This is an entirely online process, no need to wait for a callback or an email! We don't just compare the costs, we help you easily see what's covered by the NFIP vs. private flood insurance so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.
Does my homeowners insurance cover flooding?
Homeowner's insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process. You can get a quote started here!
Do I need flood insurance in Alabama?
Alabama has seen it's fair share of flooding. Don't wait until a big storm is looming on the horizon or flooding is in the forecast to look into flood insurance. Consider that 20% of flooding happens in areas considered low-risk for floods.
Find out if you're in a flood zone! Enter your address on our FEMA Flood Zone Map lookup tool.
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If you're ready to get coverage from the most common natural disaster, the first step is obtaining an instant flood insurance quote. Simply click the button below to get started! If you're happy with the price, you can pay online instantly and go from quote to covered in as little as 5 minutes!
How to Get Flood Insurance Without a Flood Elevation Certificate.
Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.
How much could Flood Damage to your home cost you in Alabama?
Flood damage can be emotionally and financially devastating, especially if you don’t have flood insurance. Use the FEMA tool to see how much even an inch of water could cost you. Flood insurance can help you recover quickly. The cost of a claim can be expensive, most are financially devastated after experiencing a flood if they don't have coverage. The average NFIP claim for flood damage in Alabama over the past 10 years is $24,700.
Get an Instant Flood Insurance Quote Online today!
Our quick quote tool compares rates from multiple private carriers as well as the NFIP, looking for the best coverage at the lowest price.
Flood Insurance Pricing Changes in Alabama
The NFIP recently adjusted its pricing system called Risk Rating 2.0. Their view of risk assessment now aligns more closely with practices that private carriers implemented years earlier.
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As a result, most policy holders in Alabama have seen changes to their premiums. According to FEMA, approximately 66% of policyholders nationwide were projected to see price increases with the updated pricing methodology.
Why did NFIP Implement Risk Rating 2.0?
FEMA moved away from antiquated pricing based on flood zones and elevation certificates, and moved towards assessing each individual property. These adjustments are intended to more accurately reflect each property's unique flood risk. The following are considered by the NFIP when calculating your premium:
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Distance to water (river, coast, etc.)
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Cost to rebuild
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Flood frequency and types (coastal, riverine, heavy rain)
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Ground elevation and foundation type
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Historical claims and mitigation efforts
Compare NFIP with Private Flood Insurance Premiums Online
At FloodPrice, you can compare NFIP and Private Flood Insurance quotes side-by-side with our quick online quote tool. This makes it easier to find a policy that fits your budget and your needs. While private policies often offer more flexibility and may be less expensive for some, the NFIP still offers robust coverage, especially in high-risk or FEMA-regulated zones.
