Better watch out and bring out your umbrella with you if you're in Alabama. This may get rough soon!

Alabama is expected to receive rain starting Thursday, February 3rd, and until Friday, February 4th. This is pretty normal if you'd think about it however there are some flooding concerns that may be seen during this time.

Alabama Faces a Potential Flood Event in 2022

In today's blog, we want to talk about this weather event in Alabama and the flood concerns arising from it.

Heavy Rain Brings Higher Waters

Alabama is up in arms as weather forecasts expect heavy rainfall to drop on the state. This heavy rainfall is expected to be averaging 2 to 4 inches of rain and will persist from Thursday to Friday as reported by the National Weather Service (NWS). Flood watches are being sent out already since we are already expecting 3 to 6 inches of heavy rain getting dumped on Alabama just for the night of February 3rd. This means that flash flooding has an up to 10% chance of happening across the state.

This event is also expected to have some major storms as seen by the National Oceanic and Atmospheric Administration (NOAA) which places the south and south-central parts of the state at a marginal risk for severe weather this Thursday.

Alabama Faces a Potential Flood Event in 2022Photo courtesy of NOAA

This puts cities Mobile, Montgomery, Greenville, and Tuscaloosa at a high chance of facing an isolated major storm in the next two days. These types of storms usually create the biggest concerns are damaging wind gusts, which could take down trees and knock out power, and tornadoes.

After Friday (February 4th), the rain will begin to move out however it doesn't really mean that everything ends there since there are chances of additional rain happening during the weekends because the cold air will be rushing behind.

Flood Concerns

One of the biggest concerns that we should be aware of is that this type of weather event will surely create big flood threats and increase the overall flood risk for the whole state in the next two days.

This ranges from what we call a pluvial flood, where collected water has nowhere else to go so it starts to pile up and inundate the area. This isn't really impossible considering that we still haven't moved out of the winter season. During this time, we expect the ground to be oversaturated which generally means that it won't be able to take in as much water as it should.

Another reason why flooding may occur from a life-threatening storm surge as water levels rise due to the precipitation. This is most likely to happen in coastal Alabama like Mobile City. Generally, this means that we might see a cocktail of floods as all three types may occur during this weather event: pluvial, fluvial, and coastal flooding.

Alabama Faces a Potential Flood Event in 2022

Fluvial flooding is only different from pluvial because the source of the floods comes from a water source like a river, lake, pond, creek, and such. Generally, this type of flood has a very strong flow to it and most of the time can easily damage properties along its path.

Other than these flood concerns, when that rain starts to happen, it's most likely that roads and bridges are going to be slippier than ever. This is why we always remind people to not drive into standing water or flood, or even during a rain event like this if it's not really necessary. We don't want to be dark and grim, but most of the casualties and injuries that happen in times like this are located and involve roads.

Why Flood Insurance is Important

When it comes to floods, most people would say that they wouldn't want to leave their properties unattended because something might happen to them. This same thinking causes a lot of trouble for these property owners when water starts to inundate the property.

Flood insurance can really help you cover for this flood damage and flood loss that may occur during a time like this. More importantly, you get peace of mind that you will still have a home to go back to even after a flood.

You have two options when it comes to flood insurance in Alabama: the federal-backed National Flood Insurance Program (NFIP) and its new Risk Rating 2.0, and Private Flood Insurance. Let's talk about these two.


The federal flood insurance is gearing towards a fingerprint of flood risk for properties that get a policy from them since rates will be based on the individual flood risk. Although this makes it more affordable for flood insurance coming from FEMA, this may still bring an increase to rates for some property owners.

This type of change makes them a big contender to take the spot when you ask people where best to get flood insurance however it's integral to point out that other than how you're going to be rated, some things never change with the National Flood Insurance Program (NFIP) flood insurance.

When it comes to coverage, we're still talking about the same $250,000 maximum on dwelling or building coverage and $100,000 maximum when it comes to contents

Other than these, these are all that the federal government can offer when it comes to flood insurance even with the Risk Rating 2.0 update. Here's a quick breakdown of the NFIP 2.0 card compared to the current version we have at the time of writing:

Alabama Faces a Potential Flood Event in 2022

Private Flood

Private flood insurance has made a big push in the last 15 years. There have been a lot of changes in the last 5 years that allow private flood insurance to be a great flood insurance option for many property owners. Let's look at exactly what private flood insurance is.

For many years the only option for many property owners was the National Flood Insurance Program (NFIP). There were many limitations with this program like wait periods, coverage amounts, and cost of the policy.

It's important to understand not all private flood insurance options are the same. There are admitted and non-admitted carriers in the private market. Each one of these types of policies has different requirements they follow.

The private flood insurance market still offers flood coverage that doesn't really have any maximum amount. You can definitely still get more than $250,000. Even when it comes to personal items or contents coverage, you can definitely go more than $100,000 for flood damage. That coverage also comes with the loss of useadditional living expenses, and/or replacement costs.

We've also seen a lot of homeowners coming to us for flood insurance and were able to get it in just a few days. The maximum waiting period for a flood policy from a private insurance company is only 14 days.

Alabama Faces a Potential Flood Event in 2022

What This Means for the Future

Considering that both Risk Rating 2.0 and private flood insurance companies base flood insurance rates on flood risks, this type of weather event can really add up to the things that increase your risk of flooding. This can also be a hard-hitter when it comes to flood mitigation since more risks require more efforts to lessen the flood damage on your property.

If Alabama were to get dumped by heavy rainfall more frequently, this could mean that flood insurance rates will also skyrocket in most areas especially when such rain event causes huge flooding in the area.

We're starting the Month of Arts and Hearts with such a concerning scenario, so we hope that you stay safe during this time. If you really don't need to head out, please stay at home and follow your local government's guidelines on what to do when flooding starts to happen. The thing is flooding can happen anytime.

So if you've got questions on flood insurance in Alabama, what this rain event could mean for your flood risk score, or anything related to flood insurance, click below to access our Flood Learning Center.

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If you want to speak to us about your flood concerns, click below to contact us:

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Remember, we have an educational background on flood mitigation which lets us help you understand flood risks, flood insurance, and protecting your property long-term.

As the country steadily moved into the Fall season, the southeastern region of the United States was hit by a substantial amount of rainfall. This was enough to cause flooding in some states, but the one most impacted was Alabama.

Alabama Flooding; President Biden Approves Disaster Declaration

A lot of families were faced with flood damage and today, we want to talk about how the federal government — under President Joe Biden, Jr. — are looking to help the victims of the flooding. Let's talk about how the disaster declaration issued on December 21st is going to help the people of Alabama in recovering from the flood loss during the October flood.

Alabama October Flooding

Shelby and Jefferson County received a significant amount of rainfall in October. According to National Weather Service (NWS) Birmingham, Alabama, several waves of slow-moving, intense storms brought estimated rain rates as high as 4-5 inches (100 to 130 mm) per hour late on October 6th, 2021.

The flooding itself was so bad that fire officials said they responded to 282 calls for assistance. This is outside of the 82 rescues that had to be done in homes and about a maximum of 20 for stranded vehicles in Pelham, Alabama alone.

Alabama Flooding; President Biden Approves Disaster Declaration

This event also caused a lot of casualties. At least four people died including children. Most of these deaths were vehicle-related meaning to say that the victims got overwhelmed with water while they are in their vehicles. These people and their respective families are in our thoughts.

When there's a flood, there's also bound to have damages on multiple infrastructure and properties. 

The Presidential Declaration

As of December 21st, President Joseph R. Biden Jr. approves the disaster declaration for Alabama. This declaration is in order to provide federal assistance to the state's residents' wellness and recovery from the damages of the flood. The President’s action makes Federal funding available to affected individuals in the counties of Jefferson and Shelby.

According to the Federal Emergency Management Agency (FEMA), major declarations like this generally mean that provide a wide range of disaster assistance programs for individuals and public infrastructure, including funds for both emergency and permanent work.

Alabama Flooding; President Biden Approves Disaster Declaration

How It Helps

The federal assistance includes grants or financial assistance for temporary housing, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners in Alabama recover from the effects of the October flooding. Most importantly, this also includes home repairs.

Focusing on the damages of the storm on properties, we want to focus on how this assistance can help recovery efforts for both residential and commercial properties. Damage assessments will be made based on your property's cost to repair and not the cost of repair.

Cost to repair basically focuses on the actual value of your property in its before-damage condition or before it was damaged by the October flood. This also includes any necessary actions to meet the basis for hazard mitigation against floods as set by FEMA. We also call this flood mitigation which acts as the first line of protective measures to reduce the damages when floodwater starts to inundate your property.

Calculating this will be managed by the federal assistance team, but you can also do this by following the formula below:

Alabama Flooding: President Biden Approves Disaster Declaration

Cost of repair generally is concerned with any specific action done to repair a property. For example, getting your paint and tape redone will have cheaper costs and doesn't guarantee that it can bring back the property to its pre-damaged condition.

It's important to keep in mind this major difference between the two as you may also be involved in recovering, repairing, and rebuilding your home. Property damage as a whole will be considered and not just the specific costs to certain repairs being done to your home.

Recovering from flood damage can be very tedious especially now that Risk Rating 2.0 expects homeowners to have all of their properties meet flood mitigation efforts or else face expensive flood insurance rates from FEMA. This is for the best considering that flood loss isn't something to be taken lightly.

Alabama Flooding; President Biden Approves Disaster Declaration

If you have questions on the cost to repair your home, if you have flood insurance and want to know how this can be helped with the new disaster declaration, or anything related to floods, click below to reach our team.

The Flood Insurance Guru | 2054514294

You can also go to our Flood Learning Center where we try to answer your flood insurance questions.

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If you are one of the eligible homeowners in Shelby and Jefferson County, Alabama, you can begin applying for assistance by registering online at or by calling 1-800-621-FEMA (3362) or 1-800-462-7585 (TTY) for the hearing and speech impaired.

Remember, we have an educational background in flood mitigation which lets us help you understand your flood risks, insurance policy, and mitigating your property long-term.

We're ending the 2021 season with a calm and somewhat peaceful closing. Or is it?

How La Niña Impacts Inland Floods in Alabama

Today, we want to talk about a disturbing fact on our current climate and how La Niña causes more devastating natural disasters like inland flooding in Pelham and Hoover, Alabama.

Impacts of La Niña

Despite having only one named storm in the last quarter of this year, it doesn't mean everything will be calm. We're still seeing a lot of rainfall and persistent precipitations across the country. In most cases, these conditions are enough to cause enough flooding and damage to multiple areas.

Take note, this is without a tropical storm present and at the most extreme caused by monsoons. Why is this happening you might ask?

We can owe it to what's called the La Niña. La Niña is a "cold event" wherein trade winds are stronger than usual which pushes more warm water toward Asia. Being the exact opposite of El Niño which is commonly known as the "heat event" that leads to week-to-month long droughts in South America and California, La Niña is a mixed bag of weather conditions that are very unpredictable and usually exceed the expectations.

This generally causes some areas of the United States to be very dry while some get very wet. To give an example, 80% of Stanislaus County in California is experiencing very extreme to exceptional drought hence the "very dry" conditions.

Add this to the already dried-up ecosystem due to the wildfires, it's no question why the drought continues in the state. However, it's equally important to note that these types of events may just be scratching the surface when it comes to the dangers it presents to locals.

How La Niña Impacts Inland Floods in Alabama

On the other hand, if we look at areas like Washington, a lot of atmospheric river impacts are being felt due to La Niña hence causing floods in the area up to the northwestern regions even in British Columbia. We've also seen how the shift from having warm surface water to a much colder one impacts the weather in areas like Northern California. The northern part of the state recently had to face devastating damages due to atmospheric rivers causing an extreme rain event in the area.

These are just a few of the examples we're seeing in the past few weeks however this doesn't mean that everything ends there. We can still expect more effects of the "small girl" as we end the year and go through the winter season.

What It Means for Alabama

As the winter season starts, we are expecting enough precipitation across the united states due to this cold event. This may range from your occasional rain to consistent heavy rains. We've seen this trend for the past two years now and we've covered it earlier this year. To give the gist of it, generally during the wintertime, Alabama gets too much water from the moist ground and rainfall amounts not being able to go anywhere but the homes of its residents.

Just this year, we've seen how impactful heavy rainfall can become in the state of Alabama. During the spring season, Birmingham and Central Alabama were hit with 7 inches of nonstop rain which immediately caused flooding in the area. The flooding however wasn't just due to rain alone, but also the melting snow and ice from other areas oversaturating the ground.

If we go back a few years back, in 2018 major Hurricane Alberto dumped 3.5 inches of rain which immediately escalated to 8 inches in Cloverdale. Three months after this event, during the fall season of September 2018, Brighton was the one that received the same amount of rainfall, and guess what, it caused flooding.

How La Niña Impacts Inland Floods in Alabama

In December of 2019, we also saw Lauderdale get flooded after getting a significantly smaller amount of rain of 2.5 inches. This, unfortunately, took two lives in Alabama and Tennessee and flooded roads in the area. 

As we're gearing to face some thick inches of snowfall in the next two to three months in some states, we are also expecting an equally higher amount of precipitation for Alabama. It's important to remember that the main cause of the recent spring flooding in the state was the oversaturation of the soil.

How La Niña Impacts Inland Floods in Alabama

Equally, we also want to consider the developments happening in Alabama due to the increase in population for Birmingham and Huntsville for example. This type of development can create a reason for water to go where it shouldn't be. Once the weather becomes colder and climate changes, there's also this immense pressure on residents when facing the inversely proportional lowering of temperatures and rising of flood threats.

As we've seen in previous years, Alabama gets unexpectedly huge flooding during this season even with the littlest amount of rainfall, and we can expect the same this year as well. Add this to the still-recovering soil from previous rain and flooding, it's no question whether or not flooding will happen.

Flooding is certain once all that precipitation starts coming.

How to Best Prepare

We always do our best to educate our customers when it comes to the impacts of weather, climate change, hurricanes, winds, and even the smallest rain on the behavior of floods. During this season, we want to help you prepare for possible cold waters inundating your home in Alabama.

You might say that you don't need to worry about it because it hasn't happened to you before, but this was the same mindset that people in Waverly, Tennesee had earlier this year.

Really one of the best ways to prepare is to have flood insurance since this already covers the concern of protecting your house: from the construction up to the contents inside. Sometimes even more if you're looking at the private flood insurance market. This way, you already eliminate those thoughts that you need to stay with your property to watch its condition when flooding happens.

How La Niña Impacts Inland Floods in Alabama

Another step that's very crucial is making sure you are always updated on the weather condition for each and every day. Be it going to work or just staying at home, we encourage making sure that you watch over this at all times. Most times, homeowners and commuters will underestimate the power of rain and floodwater. 

In the yuletide season, we want you to only enjoy the holiday with your family and friends. This is difficult to do when you're worrying about floodwater coming in, so if you need help understanding how flood insurance work, where to buy flood insurance in Alabama, understanding your risk of flooding, or anything related to floods, click below to access our Flood Learning Center.

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You can also click my picture below to call us and remember, we have an educational background in flood mitigation which lets us help you understand your flood risks, flood policy, and protecting your property long-term.

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Maybe it's not nature that causes our issues with natural disasters. Sometimes we have a hand on it too.

Is Alabama Flooding Increasing?

For the last 15-20 years Alabama has been known as tornado alley. It's known for one of the deadliest tornado days in history during the April 2011 tornado outbreak. This super outbreak lasted for 3 days, 7 hours, and 18 minutes with the highest winds that went to more than 200 mph on Hackleburg and Phil Campbell, Alabama. The damages of this outbreak surpassed the $10 billion mark and unfortunately took more than 300 lives and 3000 injuries.

Is Alabama Flooding Increasing?

As you can imagine tornado awareness and preparation have been very crucial and is the flavor of the hurricane season so much that flood threats were sidelined, if not fully benched at the back of people's minds.

However, a question we have been getting a lot lately; what should we all be asking too, is flooding in Alabama increasing? If so, then why is it happening?

In this article, we're going to take a look at some recent flood events throughout the state and see why these events might have occurred. We are also going to look at some things that might be contributing to flooding in Alabama.

Alabama and Flood

In order to understand to answer these questions, we want to look at the recent data we got on flooding across the state from the last 3 years as these historic floods can really show the changes happening to flood in Alabama.

Is Alabama Flooding Increasing?


May 2018, the United States was ravaged by Tropical Storm Alberto even before the official start of the Atlantic hurricane season. This disaster event caused both Alabama and Florida to be in constant flash flood warnings due to how strong Alberto was. Now, this was one of the biggest storms that the country faced, but for this article, we want to focus on its impacts on Alabama.

Alabama faced more than 3.5 inches of rainfall and in Cloverdale, this even went up to more than 8 inches. Ever since the storm started to cause heavy rainfall to the country, Alabama faced a lot of issues when it comes to floods. This caused a lot of flooding and winds that we've seen strong enough to have localized tree damages within the state. 

Is Alabama Flooding Increasing?

September 2018, Alabama faced another headache through Tropical Storm Gordon. Eight counties were in a state of emergency during this period. Brighton faced about 4 inches of rainfall and the state also saw a number of floodings during the storm event. Dauphin Island faced a storm surge of 3 to 5 feet causing minor flooding. Further inland, we've seen rainfalls going up to 8 inches which caused a lot of streets to seem like rivers, dirt roads being washed away, and flooding in several rivers.

October 2018, Hurricane Michael caused catastrophic $25 billion in damages across the country, but to Dothan, the strong winds and heavy rainfall were just the beginning. Farmers faced a lot of trouble on their livelihood as their expected great batch of cotton crops was turned to nothing. Orange Beach was also flooded due to the Hurricane.

Is Alabama Flooding Increasing?


In July 2019, Hurricane Barry dumped more than 8 inches of rainfall in Fairhope city. Mobile County also saw most of its roadways underwater due to coastal flooding and torrential rainfall overwhelmed the sewer systems that it spilled over 80,000 gallons of floodwater into the streets.

In December 2019, Tennessee and Alabama faced huge flash flooding after a record rainfall where the former saw 2.5 inches of rainfall. This, unfortunately, took two lives, one for each state. Lauderdale saw its roads also submerged with this flood.


February 2020, strong to severe storms was expected to go through the state. This caused power loss for about 5,000 people at the time, damage to Highway 43 and County Road 54, and sadly taking one life.

This storm also saw water coming over banks that evacuation efforts needed to be done in Crescent of Lakeshore Apartments in Homewood. The same apartment saw cars with only the top of it above water. The overflow in Shades Creek also saw Lakeshore Trail look like a river during the storm.

Is Alabama Flooding Increasing?

September 2020, Hurricane Sally dumped 30 inches of rain in Orange Beach, Alabama. This caused storm surge flooding to occur in Dauphin Island. We also saw flood damage in Spanish Fort where one gas station was completely destroyed after being inundated with water. This was also enough to have some sewer systems overflow contaminating Dog River and Rabbit Creek. Overall damages from this disaster were well over $300 million and took two lives in its wake with one missing.

For years Mobile and Baldwin counties have been known as the main flood areas. These are Alabama coastal areas that can receive flooding from tropical systems.

Simply put, these counties are ones that experience much stronger storms due to coastal storms they experience and deeper floods since one of the known coastal flood risks are facing that water level rise significantly due to heavy rains.

Are Floods Increasing?

Now, we've seen how progressively worse flooding has been changing throughout recent years. This is also the same when it comes to the cost of flooding when it comes to damages to properties. This immediately answers the question, but the more important is the follow-up: Why?

Is Alabama Flooding Increasing?

It's important to acknowledge that storms, weather patterns, extreme heat, and extreme rain events are results of climate change and we've already covered this in our previous blog. Today, we want to focus on a more unnoticed contributor to flooding across Alabama: development efforts.

The United States has been consistently becoming more urbanized, this means that most of the areas where there is natural vegetation, trees, and flora are being removed, graded, and then these efforts will simply build a drainage system that generally streams into natural bodies of water like lakes or in this case with Alabama, creeks, rivers, and coasts.

Generally, an untouched area where the flora or plants aren't interfered with can collect 90% of the rainfall as a resulting impact of storm systems. However, due to these types of developments, it can go down to only absorbing 10% of it.

Is Alabama Flooding Increasing?

In 2003, the United States Geological Survey (USGS) researched on this and found that heavily urbanized areas, including ones that are still being developed, saw a 100% increase in large floods and a 200% increase in smaller floods. The depth of flooding is also impacted as we are experiencing more overflows due to channels like drainage or sewer systems being overwhelmed by floodwater. This type of issue puts low-risk properties at risk of facing floods that they've never experienced before.

The research also found that floods in areas where developments cause sediments to somewhat clog water channels and as we've discussed before with Flood Zone AO and causes of flooding in low-risk flood zones, the water is being redirected to another area and mostly ones that are heavily populated.

The chance of flood is also directly impacted by these developments if we're not putting the right channels for water to naturally flow. Once this type of water, which should be scattering and being sipped by the soil, starts to rapidly flow into communities. What was before shallow flood events can easily become biblical flood events for those who are impacted.

This research shows future projections of what we can expect in the near future if we're not careful. This is why it's always important to understand flood maps and check with flood risk modelers to understand how a development project can cause problems for the natural flow of floodwaters.

If you have questions on flooding in Alabama, how to utilize your flood insurance policy to protect yourself, what are your flood insurance options, or anything about flood, reach out to us. Remember, we have an educational background in flood mitigation and we want to help you understand flood risks through education and awareness in flood insurance and preparedness.

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The Federal Emergency Management Agency (FEMA) is rolling out changes when it comes to flood insurance rates across all states in the country. Today, we will unpack these changes coming to Alabama and how they can impact your flood insurance in the future.

The Flood Insurance Guru | Alabama Flood Insurance: New Federal Flood Program Risk Rating 2.0

Alabama has been facing a lot of threats when it comes to flood damage and this is something that even homes that aren't in a high-risk flood zone are being impacted severely by floods. This is why it's always important to make sure that you have the best flood coverage with your insurance policy in relation to the premiums that you're paying for.

Here in Flood Insurance Guru, we always believe that the true risk of floods lies in the amount of protection that your insured property has against these impacts of flood waters.

NFIP Risk Rating 2.0

This new program that FEMA is planning to enforce with the National Flood Insurance Program (NFIP) in order to make sure that individuals will no longer pay more than their fair share of flood premiums based on the value of their homes. Most likely, these new risk ratings are going to be in full effect by October this year. Today, we want to discuss the premium rate changes coming to Alabama in order to better prepare ourselves for the upcoming changes.

Generally, this also means that your average flood insurance rates will depend on your property value. It's important to keep in mind that expensive properties may face higher premiums as a result of these rate changes.

Now, when it comes to the Risk Rating 2.0 or NFIP 2.0, you're going to see these ranges that are called green, blue, pink, and grey portions. Each bar represents the good, the bad, and the ugly changes when it comes to premium rates with the NFIP in Alabama. Let's break each one of them down to further get an insight into how these changes can impact you.

The Flood Insurance Guru | Flood Map Updates | Julesburg, Sedgwick County, ColoradoThe Flood Insurance Guru | Alabama Flood Insurance: New Federal Flood Program Risk Rating 2.0

The Good

When it comes to the green bar or the green range, this is generally the good change that you can see since this means that there'll be a decrease of more than $100 on flood insurance premiums. Now, this change will be an immediate change once the Risk Rating 2.0 kicks in on October 1st. This is good news for the 11,220 or 21% of policyholders in Alabama since this means you get to save on your premiums starting this October.

The Flood Insurance Guru | Alabama Flood Insurance: New Federal Flood Program Risk Rating 2.0

The Bad

Now, let's talk about the bad change which you'll see in that blue range. We're talking about the 36,736 Alabama policyholders or 70% that will experience this change. This is a bad change because we're looking at an increase of up to $10 per month for that 70% of the policyholders in Alabama when it comes to the flood insurance premium you're going to pay. This amount eventually totals to about $120 per year when this change kicks in October.

Now, this may not sound big when it comes to some people however you have to consider that the federal flood insurance or FEMA National Flood Insurance Program (NFIP) continuously updates flood maps, and properties that are sitting on those high-risk flood zones can find this increase very hard to swallow.

The Flood Insurance Guru | Alabama Flood Insurance: New Federal Flood Program Risk Rating 2.0

The Ugly

These ugly changes are what you'll see in the pink and grey bars in that Risk Rating 2.0. Now, we call this ugly because 6% in that pink range which is about 2,991 policies in Alabama, is going to get about a $10 to $20 increase per month. This totals from $120 to $240 per year.

You also want to include in this ugly change the 3% or about 1,706 policies who will experience a rate increase of more than $20 per month which can go way over $240 per year.

This can really be very ugly for property owners who are facing expensive premiums. We mentioned that the premium itself would be different on each individual properties in Alabama; this includes flood map data, flood claims and flood damage history, risk of flooding on your personal property, where the property is sitting when it comes compared base flood elevation levels in that area, and a lot of things.

This type of rate increase might be another reason to move into the private flood insurance market to find a much suitable cost of flood insurance. 

You can see the full graph of these changes below:

When Will It Happen?

Now, the date when you can adopt this program really depends if you're doing a renewal or if it's a new business policy. You see, you can expect these changes to start on October 1st and you're going to adapt to these rate changes if you're buying flood insurance from FEMA on or after that date. 

On the other hand, if you're doing a renewal with FEMA after that date then you don't have to take in these new rate changes until April 1st, 2022.

So, you want to be very ready for this. We've been talking about this since last year since basically the NFIP is already 30 years old already and is in need of this change. 

If you have questions on these upcoming changes, what are your flood insurance options in Alabama, or anything about flood, reach out to us through the links below. You can also watch this on our YouTube channel.

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks through education and awareness in flood insurance and preparedness.

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Flood insurance in Alabama can be confusing. Many insurance agents in areas like Birmingham and Montgomery want nothing to do with it and others think people may not be in a flood zone.

Birmingham, Alabama Flood Insurance

After the 2019 Alabama flooding I can't tell you how many times I spoke to someone who said their insurance agent told them they were not in a flood zone.


Try explaining that to someone after they lost everything to a flood. Thats exactly what happened with people in Houston Texas and residents of Nathans Estates in Muscle Schoals Alabama.

So today we are going to look at 5 things that could cause flood insurance e and o claims to happen in Alabama.

  1. Building coverage
  2. Contents coverage
  3. Proper documentation
  4. Mistakes on application
  5. Cobra zones


Building Coverage

One of the leading causes of e and o claims on flood insurance can be building coverage. Many agents either don't offer building coverage or don't offer replacement cost on the building in Alabama.

It's important to understand these because a policy could default to actual cash value if the 80% rule is not followed.


The National Flood Insurance Program generally requires either the max coverage available or 80% of the replacement cost. So for example if the replacement cost of a building is $400,000 they would require $250,000 to be on the policy.

This is also the opportunity to have excess coverage which could cover the proper replacement cost.


Contents Coverage

The next area is contents coverage. We see many policies that do not have contents coverage. This ultimately is up to the customer but many times we see where it was never offered. 

Imagine losing all your personal belongings and not knowing you could have had coverage for it.

You would probably be pretty upset.

Recovering from not having contents coverage can be just as hard as recovering from not having building coverage.

Proper Documentation

Proper documentation on Alabama flood insurance policies is another area where we see alot of error and omission claims occur.

In many situations if the National Flood Insurance Program or FEMA does not receive the documentation they need they will drop coverage down.

I remember speaking with an insurance agent a few months ago. They had called us on this exact issue. The carrier had submitted some documentation to them but they did not see it in their insurance agency management system.

The customers coverage was lowered from $250,000 to $25,000. A claim occurred and to the agent and insureds surprise there was not enough coverage to cover the damages.

Some of the documentation that maybe needed is a signed application by the insured and the agent. Proof of payment, possibly an elevation certificate with color photos.

A big area we see mistakes everyday on is the application. So many times we will see agents mark a home has a basement not truly understanding how FEMA defines a basement.


If a property does not have all four sides below ground then FEMA may not consider it a basement. Things like this could cause problems during the claim process.


Lastly is writing coverage when it's not available. One big area this happens is Cobra zones and other protected areas.


Just a couple of months ago we where advising an agent in Savannah Georgia and Statesboro Georgia about these guidelines. They said well it let me write it. A couple of months later FEMA cancelled the policy for underwriting. We were able to help the client find coverage through the private flood insurance market but it was a difference of about $5000.

As you can see there are alot of things to pay attention to when setting up a flood insurance policy for a client. You want to make sure you have a good process of making sure all things are done.

Maybe you just don't want to offer flood insurance in Alabama and that is fine. We work with insurance agents across the country everyday because of our educational background in flood mitigation. Click here to learn more

If you want to learn more about flood insurance make sure to visit or YouTube channel where do daily flood education videos or our podcast.

Remember we have an educational background in flood mitigation so we are here to help you understand your flood insurance, flood risks, and mitigation your property long term.


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So the lake has been lowered does it mean flood insurance on Smith Lake will be lower?

Smith lake Alabama flood insurance

Flood insurance in the Smith Lake Alabama can have a wide range. Areas closer to the water may have higher rates and elevated properties might have cheaper rates on flood insurance in Alabama.

So what happens when the lake is lowered?


When it comes to flood insurance in Alabama or really any where rates are based on 12 months. This locks a rate in no matter what happens during that 12 months.

It's very common for lakes to be lowered in Alabama during the winter months so people can work on their docks.

year 1 photo

So will this lower flood insurance in Alabama?

Generally the only way this might lower the flood insurance is if the lowering is permanent. This could be something like draining a lake.

So if this is not going to help what can you do to lower flood insurance on Smith Lake?

One way is by verifying the flood zone. Almost every week we speak to someone on Smith lake that is listed in the wrong flood zone.

So let's say you are in a high risk flood zone like flood zone A and you should be in flood zone X.

What could the impacts be on flood insurance?

  1. Mandatory requirement removed
  2. Standard to preferred rate

If you are moved from a flood zone A to flood zone X then it is possible that your bank will no longer require flood insurance. This could really help with property value if it is no longer required.

The next thing that could help is going from a standard flood rate to a preferred rate. This could be the difference in $500 to $1000 a year.

In this situation you are generally going from a mandatory to a non mandatory flood zone.

So if you have further questions about how to lower flood insurance rates in Alabama then click here. Want to learn more about flood insurance and flood education then make sure to check out our YouTube channel where we do our daily flood education videos.

Remember we have an educational background in flood mitigation. This means we are here to help you understand flood insurance, flood risks, and mitigating your property long term.

Contact Us