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Most Homewood homeowners don’t realize their home insurance won’t cover flood damage—until it’s too late. Are you protected?

Does Your Homewood Home Have the Right Flood Insurance?

Did you know that flooding has caused millions in damage in Homewood—and it’s only getting worse? If you live near Shades Creek or on Broadway, Linden Avenue, or Manhattan Street, you know how unpredictable Alabama’s storms can be. One minute it’s sunny, the next your street looks like a river. Here’s the truth—Even low-risk flood zones in Homewood have seen devastating floods, costing homeowners thousands in repairs. And the worst part? Most insurance policies don’t cover it. That’s why flood insurance isn’t just a nice to have; it’s a must if you want to protect your home and your peace of mind. Get covered today—before the next storm leaves you paying out of pocket.

 

Could You Afford to Rebuild If a Flood Hit Your Homewood Home?

You work hard for your home—it’s your biggest investment. But in Homewood, especially near Shades Creek, floodwaters can rise without warning. One heavy storm and you could be knee-deep in water… and repair bills.". Storm runoff, flash floods, and overflowing creeks can all hit when you least expect it. And here’s the kicker—your homeowner's policy doesn’t cover flood damage. Without flood insurance, even just one inch of water in your home could cost you over $25,000 in damages. And FEMA assistance? It’s not guaranteed.

Don’t wait until the next storm leaves you paying out of pocket. Check your flood risk and find the right coverage today.

a small flooded house

What Does Flood Insurance Cover?

A lot of people are surprised to learn that standard homeowners insurance doesn’t cover flood damage. But with flood insurance, you’ll have peace of mind knowing you’re protected from rising waters and storm damage. Here’s what’s covered:


 

Building Property Coverage:

Repairs damage to your foundation, walls, plumbing, and electrical systems.

Personal Property Coverage:

Covers your furniture, appliances, electronics, and valuables.

Temporary Living Expenses:

Pays for temporary housing if your home becomes unlivable due to flooding.

Why Do You Need Flood Insurance in Homewood, AL?

Even if your home isn’t in a designated high-risk flood zone, you’re not off the hook. 20% of flood claims come from homes in low- to moderate-risk areas. And just a little water can cause major headaches:

  • Just one inch of water can rack up $25,000+ in damage to your flooring, drywall, and personal belongings.
  • Without flood insurance, you’re on your own to pay for those repairs—can you afford that?

Flood-Prone Areas in Homewood and Jefferson County

Neighborhoods at Risk: Broadway Street, Linden Avenue, Manhattan Street, and Shades Creek

If you live along Broadway, Linden Avenue, or near Shades Creek, you know these areas are prone to flooding—especially when heavy rains roll in. Stormwater runoff and outdated drainage systems don’t help, which is why flood insurance is critical if you live in these parts of Homewood.

  • Broadway Street Flood Risk: Older homes and frequent storm runoff make this street a flood hotspot.
  • Linden Avenue Flood Risk: With its proximity to Shades Creek, this area is especially vulnerable during heavy rain.
  • Manhattan Street Flood Risk: Poor drainage makes this street high-risk during storm season.
  • Shades Creek Flood Risk: The creek overflows easily, causing flash floods in nearby homes.

What You Need to Know About the Base Flood Elevation (BFE)

Many older homes in Homewood—especially those near Shades Creek and Broadway Street—sit below the Base Flood Elevation (BFE), which increases their flood risk.

  • What is the BFE?
    It’s the height floodwaters are expected to reach during a major flood. If your home is below this level, your risk of flooding—and your insurance premiums—go up.

  • Consequences of Being Below the BFE:

    • Higher Flood Risk: Homes below the BFE are more likely to experience severe flooding.
    • Higher Premiums: Insurance costs tend to be higher for homes with greater flood risks.
    • Costly Repairs: Without insurance, homeowners could face tens of thousands in repair costs.

How to Get Flood Insurance in Homewood, AL

Getting flood insurance in Homewood isn’t complicated. Whether you go through the National Flood Insurance Program (NFIP) or choose a private insurer, we’ll make sure you get the right policy to fit your needs.

3 Easy Steps to Get Flood Insurance

  1. Assess Your Risk:

    • Find out if your home near Shades Creek, Broadway, or Linden Avenue is in a flood-prone area.

  2. Choose the Right Policy:

    • Work with a local agent who knows the risks in Homewood and can help tailor the perfect policy for your home.

  3. Get Covered:

    • Most policies have a 30-day waiting period, so don’t wait for the next storm—get covered today.

Why Flood Insurance is Critical for Homewood Homeowners

Living near Shades Creek, Broadway, or Linden Avenue comes with flood risks that are impossible to ignore. Flood insurance isn’t just about peace of mind—it’s about financial protection when the unexpected happens.

  • Structural Protection: Covers foundations, plumbing, and electrical repairs—the kind of repairs that add up fast after a flood.
  • Coverage for Your Belongings: Ensures that furniture, electronics, and appliances are protected.
  • Peace of Mind: With coverage in place, you can relax knowing your home is protected during storm season.
Get My Free Flood Insurance Quote Now

FAQs: Protecting Your Home in Homewood, Alabama

How Much Does Flood Insurance Cost?

Is Flood Insurance Required in Homewood?

When Should I Buy Flood Insurance?