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