Birmingham receives a significant amount of rainfall, and flash flooding from street runoff can turn a harmless puddle into a stream flowing through your living room in minutes. Homeowners in Birmingham, AL, need to understand how flood insurance works so they can be confident their homes are protected.
How Flash Flood Street Runoff Happens
When heavy rain moves through Birmingham, water can accumulate quickly. Streets and storm drains often cannot keep up with the volume of water. Once the drainage system is overwhelmed, water begins to pool and flow into yards, driveways, and eventually homes. Flash flooding is not limited to riverbanks; it can occur almost anywhere during the intense rainfall common in the area.
Why Flood Insurance Is Not Included in Most Homeowners Policies
Many homeowners are surprised to learn that standard homeowners’ insurance does not cover flood damage. Flood insurance is a separate policy. Without it, damage from rising water or street runoff will not be covered, leaving homeowners responsible for all repairs.
Understanding Flood Insurance in Birmingham, AL
Flood insurance for Alabama residents is available through the National Flood Insurance Program (NFIP), which is backed by the federal government. Some private insurers also offer flood policies. The agents at Birmingham Insurance Agency LLC can help you review both NFIP and private options to determine what best fits your needs.
Flooding Can Happen Outside High-Risk Zones
Some homeowners assume they are safe if they do not live in a designated flood zone, but flooding does not always follow zoning boundaries. Many flood claims come from areas considered low- or moderate-risk. At Birmingham Insurance Agency LLC, we help ensure your coverage reflects your actual exposure, not just what a map indicates.
How to Protect Your Home from Flood Damage
Before the next major storm hits Birmingham, contact one of our agents to discuss your flood insurance options. We are here to help you choose coverage that keeps your home protected.
