Flooding in Mobile WHAT YOU NEED TO KNOW

Mobile’s historic charm and beautiful Gulf Coast location come with a cost: flooding is a constant threat. Between hurricanes, tropical storms, heavy rainfall, and rising tides, Mobile experiences frequent flood events—and not just during hurricane season. With low-lying land, marshes, and an extensive river system, water can rise quickly in many neighborhoods.

Studies show that there are currently over 24,000 properties in Mobile that are under risk of flooding. Even a single inch of water can cause up to $25,000 in flood damages, but what many homeowners in Alabama fail to realize is that most standard homeowners insurance does not cover flood damage. Whether it’s from storm surge, river overflow, or intense rain, you need separate private flood insurance in Mobile, AL to fully protect your property.

Flood Zones in Mobile

Large parts of Mobile are located within FEMA-designated high-risk flood zones, especially along Mobile Bay, Dog River, and the Mobile-Tensaw River Delta. Properties in Zone AE and Zone VE are especially at risk and often require flood insurance if the home is financed through a federally backed mortgage.
However, flooding can (and often does) occur in areas mapped as Zone X too—especially with heavy rain and urban runoff. In fact, FEMA data shows that 40% of flood claims nationwide come from outside high-risk zones.