Baldwin County flood insurance: understand your options before the next storm.
Brian Lehmann helps Baldwin County homeowners compare NFIP and private flood coverage, understand their options, and request a quote.
Based in Fairhope. Serving all of Baldwin County and homeowners across Alabama.
Brian Lehmann
Licensed Alabama Insurance Agent
Coastal Alabama flood risk
Flood insurance is separate from your homeowners policy. Whether you need it, and what it costs, comes down to your FEMA flood zone and elevation.
Hurricanes bring flood risk beyond the map
Gulf Shores and Orange Beach see direct storm-surge exposure most hurricane seasons, often reaching well outside official FEMA flood-zone lines.
Special Flood Hazard Areas
Baldwin County's flood maps designate AE and VE zones along the coast and low-lying inland areas. Your zone shapes both requirements and rate.
Flood isn't covered by home insurance
Every standard homeowners policy excludes flood. It's a separate policy, written through the NFIP or a private carrier.
Baldwin County flood coverage areas
Alabama Coastal Insurance writes flood insurance throughout Baldwin County and the Alabama Gulf Coast, including Gulf Shores, Orange Beach, Fairhope, Daphne, Spanish Fort, Loxley, Robertsdale, Foley, Bay Minette, Elberta, Silverhill, and Summerdale.
Flood coverage, in plain terms
No jargon. Here's what NFIP and private flood policies actually do, and what shapes your rate.
Your FEMA flood zone drives your rate. We look it up for your address as part of your quote, along with an elevation certificate if you have one.
Have an elevation certificate? Email a copy, or snap a photo and text it to (251) 929-8093, to speed up your quote.
Building coverage
Repairs or rebuilds the structure itself, up to your policy's stated limits.
Contents coverage
Covers belongings inside your home when you add contents coverage.
NFIP option
The federal National Flood Insurance Program, available through participating agents statewide.
Private flood option
An alternative to NFIP some coastal Alabama homeowners qualify for, sometimes with different limits or pricing.
Elevation certificate
Documents your home's elevation relative to base flood elevation, used to help determine your rate.
Waiting period
NFIP coverage typically takes 30 days to start, with exceptions such as a new mortgage closing.
How it works
Tell us about your property
Address, home details, and whether you have an elevation certificate — 2 minutes.
We check your flood zone
We look up your FEMA flood zone and outline your NFIP and private flood options.
Submit & hear from an agent
A licensed Alabama agent confirms details, often within one business day.
"Alabama Coastal Insurance has exceptional service. They go above and beyond for your insurance needs."
Jennifer Reynolds, Google review
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A licensed Alabama agent, not a call center — real answers about your flood zone, your elevation certificate, and your options, before you ever apply.
Brian Lehmann
Licensed Alabama Insurance Agent
Based in Fairhope, Brian works directly with homeowners across Baldwin County and the Alabama Gulf Coast to match flood coverage to real coastal risk — storm surge, FEMA flood zones, and elevation — through NFIP or a private carrier.
Brian has worked with Alabama homeowners on the financial side of buying a home since 2010, beginning as a mortgage loan officer (NMLS #369470).
Certified Residential Building Inspector
International Code Council
FAQ
If your home sits in a FEMA-designated flood zone and carries a federally backed mortgage, your lender will typically require it. Outside those zones it's optional, though coastal Baldwin County communities like Gulf Shores and Orange Beach see flood damage well beyond official flood-zone lines, so many homeowners carry it either way.
The National Flood Insurance Program covers direct physical damage from flooding to your building and, if selected, its contents, up to the program's coverage limits. It's a separate policy from your homeowners insurance, which excludes flood entirely.
FEMA publishes flood zone maps for every Baldwin County address. We look up your zone as part of your quote, along with your elevation if you have a certificate on file.
An elevation certificate, prepared by a licensed surveyor, documents how high your home sits relative to the base flood elevation for your zone. It can affect your flood insurance rate, and some flood zones require one. If you don't have one, we can point you toward how to get it.
Yes — several private carriers write flood coverage for coastal Alabama property as an alternative to NFIP, sometimes with different limits or pricing. We'll show you what's available for your address.
Flood coverage is written as a separate policy from your homeowners policy, but we can quote and manage both together so you're working with one agent instead of two. See our homeowners insurance page for that side of it.
NFIP policies typically have a 30-day waiting period before coverage takes effect, with some exceptions such as a new mortgage closing. Private flood policies can sometimes bind faster. We'll walk you through the timing for your situation.
Alabama Coastal Insurance by Brian Lehmann is an independent insurance agency at 520 N. Greeno Rd. in Fairhope, Alabama. Brian Lehmann is a licensed Alabama insurance agent who works with homeowners and drivers across Baldwin County and the rest of Alabama on home, flood, auto, motorcycle, boat, RV, and business insurance.
Let's check your flood coverage options
No payment or commitment required.