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Looking for a flood insurance agent in Fairhope? Review the directory below to compare your options.
15 agents listed
Updated May 2026
Fairhope, AL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Alabama before hiring.
Showing 15 flood insurance agents in Fairhope, AL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Rick Phyfer - State Farm Insurance Agent
19416 S Greeno Rd, Fairhope, AL 36532
(251) 928-7500
rickphyfer.com
Farmers Insurance - Andrew Malone
104 Professional Park Dr, Fairhope, AL 36532
(251) 990-4000
agents.farmers.com
Chase Herrin - State Farm Insurance Agent
21611 State Hwy 181 Ste A, Fairhope, AL 36532
(251) 929-2020
chaseherrin.com
Alliance Insurance Group
19009 State Hwy 181, Fairhope, AL 36532
(251) 281-0082
alliancegroupins.com
The Myrick Agency
860 Edwards Ave, Fairhope, AL 36532
(251) 517-5600
themyrickagency.com
Steadfast Insurance
9959 Windmill Rd, Fairhope, AL 36532
(251) 202-4207
getsteadfastinsurance.com
Tim Simmonds - State Farm Insurance Agent
356 Morphy Ave, Fairhope, AL 36532
(251) 928-1400
timsimmonds.com
Malone Insurance agency
104 Professional Park Dr, Fairhope, AL 36532
(251) 990-4000
maloneinsurance.com
Magic City Insurance Group, LLC
7 Bayview St S, Fairhope, AL 36532
(251) 230-2820
magicins.agency
Pitman Insurance
402 Bellangee Ave, Fairhope, AL 36532
(251) 928-9786
pitmaninsurance.com
Eastern Shore Insurance Agency
21036 State Hwy 181, Fairhope, AL 36532
(251) 928-6256
easternshoreinsurance.net
Robertson John A Insurance Agency Inc
101 N Section St, Fairhope, AL 36532
(251) 928-2163
robertsoninsuranceinc.com
ALABAMA COASTAL INSURANCE
520 N Greeno Rd, Fairhope, AL 36532
(251) 929-4672
alcoastalinsurance.com
Tidewater Insurance Agency
319 Fairhope Ave, Fairhope, AL 36532
(251) 800-8433
tidewaterins.net
Alabama's Affordable Insurance
23858 US-98, Fairhope, AL 36532
(251) 517-4404
Flood insurance agents in Fairhope Alabama help property owners secure coverage through the National Flood Insurance Program or private insurers. Fairhope sits along Mobile Bay and is subject to special flood hazard areas. Alabama law requires lenders to mandate flood insurance for properties in high-risk zones. An agent can explain your options and help you comply with local building and insurance rules.
What Does a Flood Insurance Agent in Fairhope Cost?
Typical flood insurance costs in Fairhope Alabama depend on your property's elevation relative to the Base Flood Elevation and the flood zone designation. For a standard NFIP policy, annual premiums often range from 700 to 2,000 dollars. Higher risk properties or those with basements may cost more. Private insurers may offer lower rates for low-risk homes. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Fairhope Alabama?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, you are required by law to carry flood insurance. Even outside high-risk zones, flooding is possible. An agent can review your flood zone and recommend appropriate coverage.
What does a flood insurance agent do in Fairhope?
A flood insurance agent helps you understand your flood risk, compare NFIP and private policies, and complete the application. They also assist with elevation certificates and claims support. Agents licensed in Alabama must follow state insurance regulations and NFIP guidelines.
How much does flood insurance cost in Fairhope Alabama?
Costs vary by property elevation, flood zone, and coverage amount. In Alabama, average NFIP premiums range from 700 to 2,000 dollars per year for a standard policy. Private market rates may differ. An agent can provide a quote specific to your home.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Alabama.