Hurricane Insurance Mobile/Baldwin County
Mobile Bay hurricane insurance guide. Learn what coverage you need for hurricane season and how to protect your coastal Alabama home.
Hurricane Insurance Mobile/Baldwin County
This article, written by our founder Todd Conn, CLCS, explores an important topic for Alabama residents. At TCDS Insurance Agency, we believe in educating our clients to help them make the best decisions for their insurance needs.
Mobile Bay hurricane insurance guide. Learn what coverage you need for hurricane season and how to protect your coastal Alabama home.
As an independent agency, we have the flexibility to shop over 50 carriers to find the best coverage and rates for you. We are proud to serve Alabama, Georgia, and Tennessee with a 4.9-star rating and over 160 positive reviews.
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Does homeowners insurance cover hurricane damage in Mobile Alabama?
Yes, standard homeowners insurance covers wind damage from hurricanes, including roof damage, exterior walls, windows, and interior damage from rain entering through wind-damaged openings. However, it does NOT cover flood damage from storm surge or rising water. You need separate flood insurance for that, which is essential for Mobile and Baldwin County residents.
What is a hurricane deductible and how much is it?
Hurricane deductibles in Mobile and Baldwin County are typically 2-5% of your dwelling coverage, not a flat dollar amount. On a $300,000 home, a 2% deductible means you pay $6,000 out of pocket, 3% = $9,000, and 5% = $15,000. The deductible applies when the National Weather Service issues a hurricane watch or warning for your area. Check your declarations page for your specific hurricane deductible.
Do I need flood insurance in Mobile and Baldwin County?
Yes, flood insurance is essential for Mobile and Baldwin County residents. Storm surge from Mobile Bay and the Gulf of Mexico can push 6-12 feet of water inland during major hurricanes. Much of the area is at or near sea level. Hurricane Sally (2020), Hurricane Ivan (2004), and Hurricane Katrina (2005) all caused catastrophic flooding. Homeowners insurance does NOT cover flood damage—you need a separate flood insurance policy.
How much does flood insurance cost in Mobile Alabama?
Flood insurance in Mobile and Baldwin County costs $1,500-4,000 per year for high-risk zones (Zone A/AE/VE), $600-1,200 for moderate-risk zones, and $400-700 for low-risk zones. Flood insurance has a 30-day waiting period, so don't wait until a hurricane is approaching—buy it now before hurricane season starts.
When is hurricane season in Mobile Alabama?
Atlantic hurricane season runs from June 1 through November 30, with peak activity from August through October. Mobile and Baldwin County have been hit by multiple major hurricanes including Hurricane Sally (2020), Hurricane Zeta (2020), Hurricane Ivan (2004), and Hurricane Katrina (2005). Residents should review insurance coverage and prepare evacuation plans before June 1 each year.