Flood insurance cost in Alabama
In Alabama, the lowest private flood insurance quote ran $885 a year and the typical private quote ran $1,770. The NFIP quote ran $2,457.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 63% below the NFIP quote, and private was the cheaper option for 88% of those 65 properties. The typical private quote came in 18% below NFIP.
Median annual premiums from 765 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $885 | $1,999 | $2,467 | 615 |
| Residential properties | $885 | $1,805 | $2,407 | 738 |
How quotes have moved since 2020
- Lowest private quote$527 in 2026
- Typical private quote$1,805 in 2026
- NFIP quote$2,580 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $648 | $1,168 | $1,944 | 212 |
| 2021 | $589 | $934 | n/a | 263 |
| 2022 | $979 | $1,370 | n/a | 124 |
| 2023 | $1,497 | $1,887 | n/a | 108 |
| 2024 | $1,039 | $1,916 | $2,044 | 300 |
| 2025 | $1,054 | $1,857 | $2,417 | 369 |
| 2026* | $527 | $1,805 | $2,580 | 323 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Alabama?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Alabama was $1,770 a year and the lowest private quote a property received was $885. NFIP quotes ran $2,457. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Alabama?
- Where a property was quoted both ways, the lowest private quote came in a median 63% below the NFIP quote, and private was the cheaper option for 88% of those 65 properties. The typical private quote came in 18% below NFIP.
- Where do these numbers come from?
- From 765 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Alabama
- Flood insurance in Alabama: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.