The Flood Insurance Guru Blog
Alabama is a gorgeous state that has seen some major damage from natural disasters in the past. One of the major hidden risks is flooding.
Most people think the highest risk for flooding is in Mobile and Baldwin counties because of the coastal risk. While there is a great threat here, it is not the area that could be the most exposed.
Alabama has multiple rivers that run through it that can create some spectacular views and some very dangerous situations. Some of these rivers include the Tennessee River in the Huntsville, Madison, and Decatur area. Another area goes from NorthEast to SouthEast Alabama with the Coosa River. This river impacts areas like Gadsden, Pell City, and Rainbow City Alabama. Another area is the Black Warrior river that impacts cities like Tuscaloosa Alabama.
While these rivers pose some threat its the runoff to the smaller creeks during rainstorms that can cause the most danger. Many people say they don't understand why their home is in a high risk flood zone. Many times its the dried up creek next to their house that causes major concerns during heavy rain. Its getting these quick amounts of rain in a short amount of time that can cause the most damage. Vestavia Hills Alabama has had a major problem with this historically that has caused damage to multiple businesses and residences.
Many people say do I really need flood insurance and the answer is yes especially in the areas that get lots of rain during the spring months. These are also some the cheapest areas for flood insurance. To understand what your flood insurance options are in Alabama we recommend contacting a flood insurance specialist like Community First Agency at (205) 451 4294
Traditionally flooding in coastal areas has caused widespread deaths and damage. Many times in the after math people do not know where to turn for assistance when it comes to skyrocketing flood insurance premiums.
First of all flood insurance premiums are based off of maps that FEMA approves. These maps are generally updated every few years and often after recent flooding events. In recent years certain parts of coastal Georgia have experience major flooding like they never have before. Because of where the coast of Georgia is located it has been fortunate enough in the past to have limited damage from hurricanes.
However the last few years the Georgia coast has not been as lucky and has suffered major flood damage in back to back years. As a result people are not sure where to turn when it comes to lowering their flood premiums or putting flood insurance in place for the first time.
Community First Agency specializes in helping people understand flood insurance in areas like Saint Simons, Brunswick, Tybee Island, and Savannah Georgia. Over the last year there have been many changes to the flood maps in these areas. As a result many people are able to cut their premiums in half. So it is very important to shop your flood insurance each year to see if your map has been updated. You can click here to see if your map has been updated. You can also contact a flood insurance specialist like Chris Greene with Community First Agency by clicking here or calling 770-464-5024.