Home insurance in Birmingham, AL

Parts of Birmingham are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.

Flood risk in Birmingham

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Birmingham area shows Zone AE, Zone A, Zone AH alongside Zone X, which is the lower-risk designation.

Birmingham is in FEMA's Community Rating System at Class 5, which earns residents 25% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 010116.

More about insuring a home in Birmingham

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

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