Do You Need Flood Insurance Outside a Flood Zone?

Think you don't need flood insurance because you're not in a flood zone? Over 25% of flood claims come from outside high-risk areas.

Do You Need Flood Insurance Outside a Flood Zone?

Think you don't need flood insurance because you're not in a flood zone? Over 25% of flood claims come from outside high-risk areas. As an independent insurance agency based in Alabama, TCDS Insurance Agency is committed to helping you find the right coverage for your needs. We understand the unique risks that Alabama residents face, and we have the expertise to help you navigate the complexities of insurance. We shop over 50 carriers to ensure you get the best rates and coverage options available.

Whether you're looking for auto, home, or business insurance, our team of experienced agents is here to help. We'll take the time to understand your specific situation and recommend a policy that provides the protection you need. We are a 4.9-star rated agency with over 164 reviews, and we were named the 2023 Agency of the Year. We are committed to providing our clients with the best possible service and advice.

Ready to see how much you can save? Contact TCDS Insurance Agency today for a free, no-obligation quote! Our team of friendly and knowledgeable agents is ready to help you find the perfect insurance solution for your needs and budget. Let us do the shopping for you and show you why we are one of the top-rated insurance agencies in Alabama.

Is flood insurance worth it if I'm not in a flood zone in Alabama?

Absolutely. With 30% of flood claims in the U.S. coming from areas outside of high-risk flood zones, and considering Alabama's frequent heavy rainfall and flash flooding, a low-cost Preferred Risk Policy is a wise investment for almost any homeowner.

How much does a 'Preferred Risk' flood policy cost in Alabama?

For homes in low-to-moderate risk zones, a Preferred Risk Policy (PRP) through the National Flood Insurance Program (NFIP) can cost as little as $400 to $600 per year. This provides a significant amount of coverage for a relatively low premium.

Does my standard homeowners insurance policy cover any flood damage?

No. This is one of the most common and costly misconceptions in insurance. A standard homeowners policy explicitly excludes damage from flooding. You need a separate, dedicated flood insurance policy to be covered.

Why didn't my insurance agent tell me to buy flood insurance?

The uncomfortable truth is that commissions on flood insurance policies are very low. Some agents may not proactively offer it unless you are in a federally required high-risk zone because it's not as profitable. A truly client-centered agent will always explain the risk and let you decide.