Cheapest Alabama Flood Insurance

We’ve got the cheapest Alabama flood insurance in Mobile and Baldwin County. Prices are determined by your flood zone. If you’re in a low risk flood zone, you will get cheaper flood insurance!

Elevation Certificates

If you are in a high risk flood zone, the best way to get the cheapest Alabama flood insurance is by purchasing an elevation certificate. Need an elevation certificate? Here’s a list of elevation surveyors in Alabama. In fact, you may be required to purchase an elevation certificate. Many times, insurance can’t even be quoted without it.

 

Flood Zones

There are so many flood zones, but to keep it simple, you only need to know about 2. High risk flood zones contain some combination of the letters A or V. Low risk flood zones are X zones. That’s usually it. There’s also something called a COBRA zone (coastal barrier reef act).  Homes in high risk flood zones receive all kinds of different prices. Homes in X zones all receive the same price. Here’s what those prices look like:

 

X Zone Prices

20k Dwelling – 8k Contents – 1k deductible – Price = $171 / year

30k Dwelling – 12k Contents – 1k deductible – Price = $209 / year

50k Dwelling – 20k Contents – 1k deductible – Price = $271 / year

75k Dwelling – 30k Contents – 1k deductible – Price = $316 / year

100k Dwelling – 40k Contents – 1k deductible – Price = $349 / year

125k Dwelling – 50k Contents – 1250 deductible – Price = $366 / year

150k Dwelling – 60k Contents – 1250 deductible – Price = $389 / year

200k Dwelling – 80k Contents – 1250 deductible – Price = $425 / year

250k Dwelling – 100k Contents – 1250 deductible – Price = $450 / year

 

Normal flood insurance provides up to $250,000 dwelling coverage and $100,000 content coverage. Excess flood coverage is for any amount over the $250,000 range.

If you need condo insurance, you may also be required to purchase flood insurance if your unit is on a ground floor.