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 16 flood insurance agents in Pelham, 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.
Ryan Fagerstrom - State Farm Insurance Agent
2789 Pelham Pkwy, Pelham, AL 35124
(205) 985-2917
insuredwithryan.com
Freeway Insurance
3030 Pelham Pkwy STE 3A, Pelham, AL 35124
(205) 216-2022
locations.freeway.com
Blake Guy - State Farm Insurance Agent
2132 US-31 Suite B, Pelham, AL 35124
(205) 988-4525
blakeguyinsurance.com
Standifer Insurance Group: Allstate Insurance
199 Canyon Park Dr, Pelham, AL 35124
(205) 664-3200
agents.allstate.com
Alfa Insurance - The Sims Agency, LLC
3391 Pelham Pkwy A, Pelham, AL 35124
(205) 624-6637
alfainsurance.com
Acrisure Pelham, AL (DSD Insurance)
135 Hayesbury Dr, Pelham, AL 35124
(205) 621-1770
acrisure.com
The Family Agency, Inc: Allstate Insurance
3183 Pelham Pkwy Ste E, Pelham, AL 35124
(205) 664-1892
agents.allstate.com
InsuranceSouth
240 Applegate Pkwy, Pelham, AL 35124
(844) 235-5754
insurancesouth.com
Goosehead Insurance - William Cox
2105 Old Montgomery Hwy Suite 202, Pelham, AL 35124
(205) 286-6386
goosehead.com
Larry McIntosh - State Farm Insurance Agent
2685 Pelham Pkwy f, Pelham, AL 35124
(205) 663-3119
larrymcintosh.net
Alfa Insurance - The Crocker & Henson Agencies
2691 Pelham Pkwy Suite G, Pelham, AL 35124
(205) 663-7161
alfainsurance.com
Proactive Insurance Co Alabama
3143 US-31, Pelham, AL 35124
(256) 500-6414
Alfa Insurance - Justin Rumph Agency
136 Bowling Ln, Pelham, AL 35124
(205) 382-8255
alfainsurance.com
Vince Pierce Agency-Farmers Insurance
2172 Pelham Pkwy Ste 101, Pelham, AL 35124
(205) 444-9494
agents.farmers.com
SHUBERT & ASSOC LLC
135 Hayesbury Dr, Pelham, AL 35124
(205) 621-1770
allstateagencies.com
Cullifer & Associates Insurance
160 Yeager Pkwy Suite 110, Pelham, AL 35124
(205) 979-6453
cullifer.net
What Does a Flood Insurance Agent in Pelham Cost?
The cost of flood insurance in Pelham Alabama varies based on flood zone, property elevation, and coverage amount. Typical annual premiums for a standard NFIP policy range from 700 to 2,000 dollars for low-risk areas, while high-risk zones may cost 2,000 to 6,000 dollars or more. Elevation certificates and building characteristics also affect pricing. This is general information, 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 if I live outside a flood zone in Pelham?
You are not legally required to have flood insurance outside a high-risk zone, but flooding can still occur. Many Pelham residents choose to buy a policy for peace of mind. Alabama law does not mandate flood insurance for properties outside designated flood hazard areas.
How does a flood insurance agent help with NFIP policies in Alabama?
A flood insurance agent can help you apply for a National Flood Insurance Program policy, which is available to property owners in participating communities like Pelham. The agent will assess your flood risk, explain coverage limits, and assist with elevation certificates if needed. Alabama follows NFIP rules, and agents ensure your policy meets local requirements.
What is the waiting period for flood insurance in Pelham Alabama?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to most new policies in Alabama, including those in Pelham. Exceptions exist for certain loan closings, so an agent can help you plan accordingly.