Just a week ago, we've seen another case of flooding in Birmingham, Alabama. The city just couldn't get a break from floods.

Why Flood Insurance is Important for Birmingham, Alabama

In this article, we look back at the plans to lower flood risk in Jefferson County and help reduce the amount of flooding that happens in communities in Alabama. We also talk about how this can impact flood insurance in the long run.

Birmingham, AL Floods

Last week, a storm went past Birmingham, but it didn't leave without a mark. As water came down on the Saturday of July 9th, roads were easily flooded. This left a lot of drivers to find ways to navigate flooded roads.

This type of scenario isn't really new to Birmingham, Alabama. This is why National Weather Service (NWS) hydrologist Roger McNeil looked at the flood-prone creeks that easily help to flood in Birmingham and other nearby communities in Jefferson County.

These flood-prone creeks include the Village Creek in Birmingham wherein a $4.8 million project is planned to relocate sewer lines. It's important to note that the areas around the creek are in a high-risk flood zone which some would call the 100-year floodplain or flood zone A and AE.

The Five Mile Creek in the Ketona-Tarrant area however is still looking forward to getting financial help to mitigate flooding and reduce flood damage in the nearby communities around the creek.

These are just some of the areas that Roger McNeil found to have a high risk for flooding. If you want to read the full article, click here.

But how does this relate to flood insurance?

Flood Insurance in Birmingham, Alabama

One thing you'll be able to notice in these communities is that most of them are being put in a floodplain due to being close to a water source. This is one of the Federal Emergency Management Agency's (FEMA) flood risk factors that now directly impact your flood insurance premiums. This is through the Risk Rating 2.0 program.

More than the impact on premium rates, being close to any body of water speaks to your flood risks. We've seen this in the same article as businesses on Highway 31, that are close to Patton Creek in Vestavia Hills, are required to carry separate flood insurance. This is due to the fact that these businesses are in a floodplain or a high-risk flood zone.

These creeks in Alabama, especially in major cities like Birmingham, contribute to the increased flooding in the state.

Why Flood Insurance is Important

There is no other insurance that can cover flood damage. The fact that we're seeing increased flooding across Alabama shows that you don't need to be in a high-risk flood zone to get flooded.

Flood insurance can provide coverage for damages on both the building or the structure of the property and the contents and everything inside the insured property. Depending on where you're getting your flood insurance from, this coverage can be as high as $250,000 for building coverage with $100,000 for contents coverage.

Why Flood Insurance is Important for Birmingham, Alabama

But this is only applicable if you're buying flood insurance with the government-backed National Flood Insurance Program (NFIP). However, it's a different story when it comes to private flood insurance as they provide more flexibility when it comes to flood insurance policy coverage.

Watch the video below to see a more in-depth discussion of the difference between federal and private flood insurance.

Floods are becoming worse recently and are also becoming more frequent. Keeping a property without flood insurance is bound to really cause some big headaches. If you have questions on flood insurance in Alabama and Birmingham City, you can visit our Flood Learning Center by clicking below.

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Remember, we want to simplify flood insurance through education so that we can help you avoid problems and keep the value of your property long-term.

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As the U.S. moves out of the moist cold winter weather, the risk of flooding also presents itself. Most can expect to see spring runoff and snowmelt, but fires?

Fire to Floods: Hoover Brush Fire Creates New Flood Threat in Alabama

Let's talk about the recent brush fire in Hoover, Alabama, and how this can impact both flooding and flood insurance in Hoover and its neighboring counties.

Not an April Fool's Joke

The typical quiet Wednesday night (March 30) for most people was disturbed by a brush fire in Hoover, a city in Jefferson County, and Shelby County in Alabama. The brush fire was reported to be driven by strong winds and began just before 7:00 PM.

The brush fire was enough to displace at least 26 units in City Heights apartments on Alpine Village Drive. The impact, although not direct, was substantial thermal damage that presented a lot of risks for the residents.

Fire to Floods: Hoover Brush Fire Creates New Flood Threat in AlabamaHoover Brush Fire as recorded by a resident, Joshua Johnson (from: abc3340.com)

We're talking about at least two dozen families needing to get away from their property. At least two people were treated for smoke inhalation. The good news is that the fire was extinguished completely by 8:40 PM and there wasn't a single death during the fire.

Now, you might be wondering how this and floods can be related? That's understandable since we're talking about literal fire and water here. Let's unpack that question for you.

Floods and Fires

Despite being the polar opposite element of flooding, fire can have a great contribution to flooding in an area. In this case, Hoover might also be facing increased flood risks due to the recent brush fire.

Wildfires like this can damage the soil and vegetation which naturally helps mitigate the severity of a flood event.

Fire to Floods: Hoover Brush Fire Creates New Flood Threat in Alabama

The soil absorbs all that rainwater during heavy rain reducing the excess water flowing into an area. The vegetation also does the same thing while supporting and holding the soil under them reducing mudflows and landslides.

However, when a fire like this happens, both of those things will face significant damage. As the heat dries out the soil, it won't be able to take in water and all that charred remains will add to the floodwater. There will also be a lot of debris flow due to the burnt flora. We've seen this flood threat before in California.

What It Means for Flood Insurance

One of the things that came out of the recent flood insurance update on the federal side with the National Flood Insurance Program (NFIP) is the Risk Rating 2.0 and how it perceives flood threats.

The new Risk Rating 2.0 will be assessing a lot of flood variables when it comes to determining the premium rate for your property.

For Hoover residents, this type of event can add to the amount of flooding and flood type variables. Instead of just expecting potential flooding due to runoff or rising of bodies of water like Parker Lake and Cahaba River, property owners in Hoover will also be assessed for possible flash flooding and mudflow caused by this brush fire.

This could badly hurt your flood insurance premiums with the Risk Rating 2.0 especially once your renewal kicks in.

Fire to Floods: Hoover Brush Fire Creates New Flood Threat in Alabama

— Good thing I'm doing a private flood insurance policy, right?

Although Private Flood generally has cheaper premium rates, private insurance companies were first to assess a property's flood risk by looking at its flood data and not just the flood zone alone. This may still present a shift in your Hoover home's flood risk hence flood insurance rates.

Better Than No Flood Insurance

At the end of the day, it's best to still secure that flood insurance since we can't really tell how Hoover would respond to flooding in the next few weeks. We're looking at spring runoff, snowmelt, heavy rainfall, and now, fire scars of this as flood risks in Hoover.

If you need flood insurance, Alabama has been opened to more options due to increased risks from previous years. This way, you can get your flood insurance through either the Federal Emergency Management Agency (FEMA) and the NFIP or through multiple private flood insurance companies.

If you want to know how they are different, watch the video below:

Remember, we have an educational background in flood mitigation which lets us help you understand flood risks like brush fires, your flood insurance, and how to best protect the value of your property long-term.

If you've got questions, click the link below to go to our Flood Learning Center:

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You can also use this link below to call us:

The Flood Insurance Guru | 2054514294

Be safe out there, Alabama.

 

 

Birmingham — Water is the source of life, right? But for Birmingham, Alabama, water can be a real problem and danger as floodwaters become more dangerous.

Just this month of March, we've already seen substantial flash flooding that inundated streets, establishments, and roads rendering them unusable and unsafe.

This begs the question, why do these floods keep happening in Alabama?

We'll talk about that and more in this blog.

Birmingham Last Week

Many residents across multiple counties in the State of Alabama are being bombarded with heavy rainfall due to severe storms since last Wednesday (March 16th). There were numerous areas of heavy rain and storms on First Alert AccuTrack moving in all sorts of directions. We expected this when we discussed potential flood events last month. However, this is was not at a level anyone can expect to impact Alabama.

Flash flooding immediately occurred after cities get dumped with about 2 to 4 inches of rain. At this point, it shows that it doesn't really need to be the heaviest rains to cause a flooding event in Alabama and in the city of Birmingham.

Source: www.al.com | Elizabeth D. Madison

Yesterday evening (March 22nd), a lot of vehicles in the suburbs of Birmingham were stalled by the flash floods. The drivers faced huge problems when they got caught in a flood causing a lot of cars to simply shut down in the middle of flooded roads.

This is one of the biggest concerns that FOX News' Jonathan Hardison tweeted about last night. Add this to severe storms literally busting the roof off of multiple properties ranging from mobile homes to common residential buildings.

Unfortunately, such weather conditions became very bad that one man, Joseva Lawrence Speed, 60, reportedly drowned in Wednesday's flooding after trying to get into a family members' car, and sadly he got overwhelmed by the flash flood.

So with all these flash floods caused by 1 to 5 inches of rain, you might be wondering, what's causing all these constant floods in Alabama and Birmingham City?

Birmingham Relentlessly Battles Floods

Geographical Reasons

For us to understand why Birmingham keeps on getting flooded, we have to acknowledge that Alabama and the city of Birmingham itself sit on a valley which at least 8,000 acres of land being zoned into a Flood Zone A or AE. This means that whenever there's precipitation, you can't really avoid or prevent that excess rainfall to flow downhill into low-lying areas.

These include multiple creeks such as the Shades and Little Shades creeks. You can also count the Black Warrior and Cahaba River watersheds in the areas that receive all that water from excessive rainfall.

Although there are systems in place like stormwater drainage that helps in redirecting where the floodwater goes to avoid potential damage to properties, Jonathan D. Yates, Birmingham's director of the Department of Public Works, had different findings.

These systems are simply not cut out anymore for what's happening in Birmingham. Yates even said that the stormwater drainage system is not built to handle that big and severe of a storm. So it's not just blockage or blocked drainage that's causing all these floods, it's also the behavior of water itself.

Commercial Flood Insurance Map

Urbanization: Water Hitting Cement

Other than the geographic consideration, you also need to look at progressive urbanization which turns natural soil into hard concrete. There are a lot of building projects which remove our natural protective measures against flooding such as flora like trees, vegetation, and grasses.

You see, in wooden areas, all that rainwater is getting absorbed by the soil; however the same can't be said for cities like Birmingham where rain simply just stays and moves around there.

Just imagine spilling water over your wooden dining table versus the water that's poured on a sponge. It's basically changing all that rainwater into stormwater runoff from higher areas of the state and Birmingham City.

Impacts of Climate Change

Lastly, you also need to consider how climate change has drastically worsened how these usual storms, rainfall amounts, and flooding behaves.

The drastic change from cold weather to a very warm one is only going to cause more precipitation or rain in an area. It's basic evaporation, condensation, and precipitation in Science. 

Extreme heat can also cause droughts which are generally like hitting the water to a hard concrete or cement. Take note, this is natural soil not being able to seep in water due to these severe weather conditions.

How to Best Protect Yourself

A lot of things come into play whenever you start thinking about flood mitigation. You can consider the area and flood zone to determine the overall chances of getting flooded you may have.

This is why we really encourage property owners, from restaurants to residential houses, to create flood protection for their property. This includes installing flood vents that help floodwater pass through your property and not really inundate it that much. You can also prepare sandbagging in order to slow the flow of water on your property.

These are just short-term steps in protecting yourself. The best way is to really get yourself flood insurance. This isn't really something that you can see like flood vents or sandbags, but it's the most efficient way to protect your valuables and property from flood damage.

Flood loss is the biggest concern of people in Birmingham especially with these constant floods happening in the city and the only way to take that off your chest is to be sure that someone's got your back.

Birmingham has a lot of flood insurance options that you can choose from.

You can do it through the federal government with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP) which got an update through Risk Rating 2.0.

You can also go through the Private Flood Insurance market which offers multiple and various insurance carriers to help you get coverage for your property.

Getting flood insurance also helps you avoid the worry of not having anything to go back to. This is because regardless of where you get your flood insurance from, you will be covered for the damages on your building as well as everything inside it.

It's hard to say that all this will be over since we can't really predict and dictate how floodwater behaves. We hope that you stay safe out there!

If you have any questions, click below to go to our Flood Learning Center where we try to answer all your flood insurance questions.

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

The Flood Insurance Guru | 2054514294

Facts can be Stranger than Fiction.

When scrolling through your Facebook feeds, you'll stumble upon an unexpected mind-blowing video. Do you know those stories that could make you do google fact check if the story is true?

Check out, for example, what happened today in Alabama's weather. We expect the winter season to close and welcome the blooming spring flowers and… BOOM! We get a deluge caused by heavy rainfall to sink everything around.

Alabama's Shocking Weather Today 

At the time of writing, many residents across multiple counties in the State of Alabama are being bombarded with heavy rainfall due to severe storms. There were numerous areas of heavy rain and storms on First Alert AccuTrack moving in all sorts of directions. We expected this prior when we focused on the potential flood events last month.

These types of storms have also been known to produce hail, which was of the size of a pea from the report. But don't underestimate them, considering it can hit like that of one of those used in paintballs which could definitely cause minor damage to your property. 

Flood Insurance for Alabama Storms: Are You Covered for This?

Alabama News even called this weekend a "severe risk Friday" due to the amount of rain expected due to the upper-level lows and cold fronts moving from Central Alabama to the Southeast.

Although these conditions are expected to end by next week, one should expect moderate to heavy rain until Thursday. The impacts of these severe thunderstorms are already felt across Jefferson County and Shelby County 

From this scenario, the whole central area of the state will obviously be exposed to heavy flooding. Just this afternoon, as the hail falls in multiple counties, a woman in Birmingham was rescued from her car, which was stuck on knee-deep high water. 

Flood Insurance for Alabama Storms: Are You Covered for This?

Don't worry, the lady is unscathed and in good condition. Sadly, we can't say the same for her car and dozens of vehicles that drove off the same road and those left in the parking area. 

This begs the question: Does flood insurance cover vehicles damaged by floodwater? 

Flood Insurance and Vehicles 

Today, Highway 31 in Alabama was inundated by flood. The local government of Jefferson and Shelby counties issued a flash flood warning until 5:30 PM. That is to save everyone from getting stranded at that same time, minimize the risk of vehicular damage. 

When it comes to flooding, vehicles are more susceptible to getting the bulk of the damage than homes. Why? For one, numerous vehicles get driven into flooded areas which causes a lot of problems safety-wise and insurance-wise.

When a car gets flooded, it is vulnerable to various problems, beginning with mold. Rust can form on body panels and other components. Water can cause engine harm. Then there's the electrical circuitry that controls everything from power windows to a car's safety and entertainment systems. They might fail intermittently or entirely.

Flood Insurance for Alabama Storms: Are You Covered for This?

Believe me, I worked as a branch manager for Enterprise Car Rental in Alabama and I saw how the southeast easily gets flooded. This is especially noticeable in Avondale and near the University of Alabama in Birmingham. This happens even with the smallest amount of rain and I've seen its severe damages to the vehicles.

— So, does having flood insurance also cover your vehicle?  

No. When it comes to vehicle coverage, no flood insurance policy will cover the damages that your truck, car, or minivan gets due to flooding. Even when you get extended coverage with your flood policy, vehicles won't be covered.

This is because flood insurance only covers your dwelling or the property building and its contents. The only time your vehicle will be covered due to flood damage is if you have that comprehensive coverage in your auto insurance policy.

Regardless of this exclusion in your flood insurance policy, it's always essential to ensure that there's a flood policy ready to protect you from flood loss.

Flood Insurance for Alabama Storms: Are You Covered for This?

Do Flood Zones Still Matter in Alabama?

That's another question that we need to ask about the current erratic weather conditions and the flooding we're seeing across cities in Alabama. Specifically, do flood zones still matter, especially with all these flash floodings? 

Not anymore. 

As you know, flood zones rating is no longer carried by either the federal or private flood insurance carriers. These ratings, which are a basis of risk a location could have when severe rain happens is, omitted and now do not impact the homeowner's premium rate.  

— Is it sound advice then not to get flood insurance just because of flood zone changes?

When you consider Alabama's current weather state and flooding occurrences, I believe we will both agree that regardless of a flood zone, one can never be too sure about the damages one can get because of these heavy rainfalls.

Do you know that Alabama is experiencing an enhanced risk for flooding in the last 2 - 3 years compared to the previous 10 - 15 years?

Be not like the property owners who moved into a low-risk flood zone and forgo carrying flood insurance for their properties and end up incurring large losses.

They may save money in the short run compared to those properties in the high-risk zones like Flood Zone A or AE, which are required to carry flood insurance. But that could be an expensive mistake, especially if situated in Alabama.

Nowadays, it's easy to conclude that you still have a big chance of getting flooded regardless of your flood zone. Would you risk losing thousands of dollars in flood just to save a few bucks from not getting flood insurance now?

We believe that you'd say no. So, let's talk about your flood insurance options in Alabama. Watch this video so you could too understand how to buy flood insurance in Alabama and your options.

We hope that everyone in Alabama is safe and sound despite having this type of weather condition. Flooding, hail, rainfall, and storms like this are no joke. So be safe as well. Don't drive into flooded roads. Make sure to be aware of where an area is flooded and protect yourself with flood insurance.

If you have any questions, click below to go to our Flood Learning Center where we try to answer all your flood insurance questions. Remember, we have an educational background in flood mitigation which lets us help you understand flood risks, your flood insurance, and protecting the value of your property long-term.

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Alabama has been always front and center when it comes to concerns of flooding. It's no surprise then that one of the biggest worries of property owners is their flood risks and equally where they land when it comes to flood maps.

In this blog, let's talk about the different flood zones in Alabama. We also want to discuss what areas are in a required flood zone and what areas aren't in a required flood zone.

Finding My Flood Zone in Alabama

Flooding in Alabama

Just in the last 2 to 3 years, the number of flood risks in the state of Alabama has drastically increased compared to the last 10 to 15 years. This is very much evident in how common it became for some areas in the state that receive 10 inches of rain in a 12-hour period. This immediately shows how higher the chance of flooding is becoming for most of these areas which become flood-prone. This is also why some areas find it uncommon to see at least 4 inches of rain just within 2 hours.

Finding My Flood Zone in Alabama

About a week ago, Limestone County in Alabama was immediately terrorized with flash floods to a point where Chapman Hollow Road at Alabama 99 had to be closed by Commissioner Townsend because due to all of the water that was over the road. This is after Limestone County got about 1.49 inches to 3.20 inches of rain last Tuesday.

This type of scenario shows how much floods have changed in the last few years in Alabama, and it warrants a proper explanation of how flood zones have a hand in this concern.

Understanding Flood Zones in Alabama

The first thing you need to know about flood zones in Alabama is that we generally separate these between low-risk flood zones and high-risk flood zones. Historically, low-risk flood zones were also called preferred risk zones, but as we move out of using flood zones as a basis for flood insurance premiums due to the Risk Rating 2.0, this isn't applicable anymore.

When we talk about low-risk flood zones, we mostly look at flood zone X. Before we move forward in discussing these low-risk zones, it's important to always remember that there's no such thing as "not in a flood zone". Each property across the United States is in a flood zone. It's crucial to understand that "not in a flood zone" are properties that are simply mapped into a low-risk zone.

Finding My Flood Zone in Alabama

Flood Zone X was called a preferred zone because generally properties in this type of flood zone have a lower risk of flooding and don't really have a requirement to carry flood insurance. However, it's becoming more of a myth now that floods don't happen in Flood Zone X as we're seeing more common flash flooding in Alabama.

On the other hand, you also have these high-risk zones which are also called the special flood hazard area (SFHA) that generally indicate an increased risk for flooding in that specific location. Flood Zone A is one of the most common high-risk zones you'll see in Alabama. Generally, when you start getting mapped into these zones, mortgage companies expect that properties in flood zone A should have flood insurance policies.

Flood Zone A is a high-risk zone due to the zone not having a determined base flood elevation. Generally, if you want to lower your flood insurance rates or be removed from being mapped into a high-risk zone like Flood Zone A, you will have to use an elevation certificate or a letter of map amendment. Generally, properties being moved into or are already mapped into these zones see a slight increase in their premium rates and flood risk.

Lastly, we have the Flood Zone AE which is somewhat similar to flood zone A however for these zones, the base flood elevation has been determined. This zone is also called the 100-year floodplain and has about 30% of flooding in a 26-year mortgage. Just like the previous flood zone, your mortgage lender will most likely require you to carry a flood policy if you're mapped into a Flood Zone AE.

Flood Zone AE's flood premiums are not determined by a single measurement alone. Most insurance companies, and even the National Flood Insurance Program (NFIP), now look into different flood variables such as the structure of your home, the type of foundation of your home, how much flood you get, what type of floods you get, and how much flood claims were made in a Flood Zone AE property historically.

Finding Your Flood Zone

When it comes to flood zones, generally you have to follow whatever's being indicated by your current flood insurance rate map (FIRM) from floodplain administrator. This generally means that if you're moving deeper into the SFHA, then you will have to adjust your expectations not just with the number of floods you will get, but also with your flood insurance rates. There's a directly proportional relationship between flood zones and flood risks after all.

However, this doesn't really mean that you will have to accept whatever expensive flood insurance premiums just because you're in a high-risk flood zone. In Alabama, a lot of new insurance companies are coming in to support the state when it comes to flood mitigation and protecting people from flood damage. This means that there are a lot of options to go through now.

Finding My Flood Zone in Alabama

Finding your flood zone in Alabama doesn't just mean knowing the flood zone you have, but how you can manage this better especially when it comes to the cost of flood insurance. Sometimes, you get into the wrong flood zone or maybe you want to remove your property from flood zones. Either way, we want to help you go deeper into understanding how the costs of flood insurance in Alabama are determined.

Flood Variables

Let's talk about positive elevations first and how they can have a big impact. The further your home is above the base flood elevation the better the rate is going to be. If all the elevations of your home are above the base flood elevation your home might even qualify for a letter of map amendment. This means that your property might be removed from the high-risk flood zone and placed in low-risk flood zones causing a big improvement to property values.

When it comes to the impact of negative elevations. As mentioned above basements can cause a home to have an extreme negative elevation. The higher the negative elevation home has the higher probability of a flood occurring. This can create a double-edged sword because the NFIP rates can be through the roof sometimes exceeding $10,000 a year for noncoastal properties. However, the other problem is the higher the negative elevation the less likely it is that a private insurance carrier will offer coverage on a property.

Flood losses also can have a major impact on a property. It could even stop a property from selling if severe enough. Generally, when one flood loss occurs you would lose the preferred rating with the NFIP if you had one. Having a flood loss can also eliminate most of the private flood insurance options as most will not insure a property that has had a loss. However, when the second loss and paid claim occur is when disaster can strike.

This can turn a property into a severe repetitive loss (SRL) property which has to follow certain mitigation guidelines in order to get insurance through the NFIP and private flood insurance is not available on these types of properties. This is why you should really review things closely before filing a flood insurance claim.

Finding My Flood Zone in Alabama

Flood insurance is now more important than ever in Alabama especially as we prepare for the sudden shift when it comes to rainfall amounts as we move into the Spring season.

If you have questions on flood insurance, we have a Flood Learning Center dedicated to answering all your questions and more when it comes to flood insurance. Click below to go to our Flood Learning Center page. 

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

Flood zone AE also referred to as the 100 year flood zone has the highest premiums other than coastal areas. These are generally because most of the structures have a negative base flood elevation. So what determines the premiums of these zones?

Well there are a few things that have a major impact on flood premiums in these zones. The age of the structure, the foundation type, flood loss history, and the elevation of the home.

Also in the Birmingham Alabama area the number of flood insurance policies could have an impact on flood insurance rates. Many private flood insurance companies in areas like Birmingham, Pell City, Bessemer, Jasper, and even Anniston Alabama can max out the number of flood policies they offer just half way into the year.

This is a major issue we have seen in the last year with people building homes in areas like Trussville Aalabama.

So lets get back to some of the orginal factors.

Let's start with the age of the structure depending on when the house was built it in Birmingham Alabamait  will have a different rating model through FEMA. Its based on the first flood map for structure which generally occurred after 1978. If it was before the first flood map its called a PreFirm structure and if its after the first flood map its called a PostFirm structure. One of the big differences between these two types of structures is called grandfathering where you can keep the Birmingham property in a preferred flood zone that no longer exists. 

This has been a common practice in areas like Pinson Al and Centerpoint Al where flood maps have been changed in recent years.

The next thing that has a major impact on flood insurances rates in flood zone AE is the foundation type. Let's start with Birmingham Alabama properties that have crawlspaces above grade compared to subgrade. Above grade is a crawlspace that sits above ground and subgrade is going to be crawlspace that sits partially below ground. The big difference here is subgrade generally will sit a certain level below the base flood elevation which increase the premium. While above grade sits above ground it could still be below the base flood elevation. The difference is things like flood vents can significantly lower the premiums with above grade crawlspaces.
The next type of foundation that will have a major impact on premiums are basements. Because of severe weather and being in a popular tornado state Birmingham is known for having basements on many properties. As you can imagine basements can sit a good distance below the lowest adjacent grade creating a significant negative elevation. This can have a big difference on the rate so it's very important to understand this when owning a house and purchasing a house. Also just because a basement is below grade does not mean that it is below the base flood elevation. Now that we have talked about foundations let's talk about how the elevation of the home in a flood zone Ae can impact the rate.The only real way to know this is to have a survey or elevation certificate completed. Now that we have discussed how the elevations of a home can have a major impact on flood insurance rates as you can see from the different foundation types.

Let's talk about positive elevations first and how they can have a big impact. The further your home is above the base flood elevation the better the rate is going to be on your Birmingham Alabama property. If all the elevations of your home are above the base flood elevation your home might even qualify for a letter of map amendment. In recent years we have helped alot of Birmingham Alabama property owners get flood premiums back by getting the flood zone corrected. This means that your property might be removed from the high risk flood zone and placed in a low risk flood zones causing a big improvement to property values.

Now lets talk about the impact of negative elevations. As mentioned above basements can cause a home to have an extreme negative elevation. The higher the negative elevation a home has the higher probability of a flood occurring. This can create a double edged sword because the NFIP rates can be through the roof sometimes exceeding $10,000 a year for non coastal properties. However the other problem is the higher the negative elevation the less likely that a private insurance carrier will offer coverage on a property. So these are some things to think about when buying a home with a basement or building a home. we have discussed the impact foundation types can have on a structure lets talk about flood loss history.

Flood losses can have a major impact on a property. It could even stop a property from selling if severe enough. Generally when one flood loss occurs you would lose the preferred rating with the NFIP if you had one. Having a flood loss can also eliminate most of the private flood insurance options as most will not insure a property that has had a loss. However when the second loss and paid claim occur is when disaster can strike. This can turn a property into a severity loss property which has to follow certain mitigation guidelines in order to get insurance through the National Flood Insurance Program and private flood insurance is not available on these type of properties. This is why you should really review things closely before filing a flood insurance claim.

Have questions about flood insurance? Click the link below or visit The Flood Insurance Guru