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Will You Have Flood Insurance In Time?

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Release date: 
June 16, 2009
Release Number: 

MONTGOMERY, Ala.  -- Flooding is the most familiar and frequent natural disaster in Alabama. Heavy rains are a consistent threat across the state, while hurricanes and inland moving tropical storms have caused hundreds of millions of dollars in flood damage to Alabama homes and businesses in just the past few years.

A flood insurance policy through the National Flood Insurance Program (NFIP) offers Alabama residents their best protection against loss. It takes 30 days for a new NFIP policy to go into effect.  This hurricane season, will you have flood insurance in time?

"Alabama residents without flood insurance are at risk of losing everything," said Albie Lewis, federal coordinating officer for the Federal Emergency Management Agency. "Federal disaster assistance is limited, and often in the form of a loan which must be repaid with interest."

Flood damage is not covered under homeowner insurance policies, and there is no guarantee that federal disaster assistance will be available when a flood occurs.

Flood insurance is available to homeowners, business owners, and renters.  Policies offer up to $250,000 coverage for homeowners, up to $100,000 for personal property and up to $500,000 each for business contents and buildings.

Property owners who already have flood insurance policies are encouraged to check their policy each year, update as necessary, and make sure premiums remain paid in full.

For more information or to find an insurance agent near you who sells flood insurance, visit, or call the NFIP's toll-free number 1-888-FLOOD29. The hearing- or speech-impaired should call TTY 1-800-427-5593.

FEMA leads and supports the nation in a risk-based, comprehensive emergency management system of preparedness, protection, response, recovery, and mitigation, to reduce the loss of life and property and protect the nation from all hazards including natural disasters, acts of terrorism, and other man-made disasters.

Last Updated: 
July 16, 2012 - 18:46
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