In late August of 2019 areas of Birmingham Alabama like Hoover, Indian Springs Vestavia, Pelham, Alabaster, and Inverness experienced flooding. Why did these areas of Birmingham Alabama experience flooding? Those that suffered flood damage what options are available for flood coverages?


On August 23rd 2019 Birmingham Alabama experienced large amounts of rainfall that came from a low pressure system from the Gulf of Mexico. This system dropped 3-6 inches of rain in short amount of time causing flash flooding in areas like Pelham, Hoover, Leeds, Moody, and Birmingham Alabama. The drainage systems could not handle this amount of rainfall in this period of time cause drainage systems and roads to collapse. While flash flooding only lasts a short amount of time sometimes only hours the damage can last forever.

So when this occurs what coverages apply? Well lets discuss two areas where coverages could apply

  • Home Owners
  • Business Owners


When it comes to flood insurance coverages for property owners in Birmingham Alabama you will have three types of coverages depending on the policy you have.  So what policies are available? Well there is the National Flood Insurance Program and private flood insurance.


National Flood Insurance Program Coverages

The National Flood Insurance Program offers two types of coverages on their policies. Before we discuss those coverages let's discuss exactly what this program is. The National Flood Insurance Program also known as NFIP is the government regulated flood insurance program. They set the guidelines for the program, the rates, and the coverages available. So let's discuss the two coverages they make available in Birmingham Alabama.

You have building coverage and contents coverage. First let's look at flood insurance building coverage for property owners in Birmingham Alabama. This type of coverage is going to cover the actual structure and things that make the structure safe like servicing equipment, circuit breakers, and stair wells. Its important to understand that under the NFIP detached structures are not covered under the main structure. 

Under the NFIP guidelines each detached structure requires its own policy in order to be covered. Its also important to understand that if it is not a primary residence there is a $250 surcharge for each building. The NFIP also maxes out coverages on buildings at $250,000. Now let's discuss contents coverage under the NFIP.

Under the NFIP contents can be covered. This is going to cover things like appliances, furniture, and clothing.  Contents coverage with the NFIP is maxed out at $100,000 on Birmingham structures.  It's also important to know if you are filing a flood insurance claim in Birmingham Alabama that you will have a separate deductible for the building and a separate deductible for contents. So when picking deductibles consider as this could be a pricey mistake.


Private Flood Insurance Coverages Birmingham Alabama

The other option for flood insurance in Birmingham Alabama is private flood insurance. What is private flood insurance? This is flood insurance that is backed by private insurance carriers. The private companies set their own rates, guidelines, and the availability of the flood insurance. While NFIP flood insurance is always available private flood insurance companies do put moratoriums on access of it. We have seen this for the majority of the year in areas like Iowa, Nebraska, and Oklahoma.

So what coverages are available under private flood insurance. Well private flood insurance offers technically 4 types of coverage

  • Building coverage
  • Contents coverage
  • additional living expenses
  • Business loss of use coverage


Like the NFIP private flood insurance offers building and contents coverage as well. There are just some differences they don't limit flood insurance coverage in Birmingham Alabama to $250,000 on building and $100,000 on contents. So if more coverage is desired it is available. Depending on if you are a home owner or business owner private flood insurance offers additional living expenses or business loss of use.

Additional living expenses are there to help cover things like a hotel if your home is not livable while being repaired. Business loss of use helps cover regular business expenses while your Birmingham business is recovering from a flood.


So if your home or business as been flooded or you are concerned about flooding in Birmingham Alabama you can visit our website for more information Flood Insurance Guru. You can also visit or YouTube channel or Facebook page The Flood Insurance Guru to view other flood education videos on Birmingham Alabama.


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Chris Greene


Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation