Why Coastal Risk Is Increasing in Alabama
Communities such as Gulf Shores, Orange Beach, and Dauphin Island are particularly vulnerable to storm surge and high winds during hurricane season. Rising sea levels and heavier rainfall have expanded flood-prone areas. As development increases, more homes are located in zones that require flood or windstorm coverage to remain protected.
How Coastal Risk Affects Homeowners Insurance
Standard homeowners insurance policies exclude flood damage, which must be insured separately through the National Flood Insurance Program or private flood markets. In high-risk areas, wind coverage may also be limited and purchased through the Alabama Insurance Underwriting Association, the state's windstorm insurer of last resort. Underwriters consider elevation, construction type, roof quality, and distance from open water when determining eligibility.
What to Do if Your Policy Is Not Renewed
If your insurer issues a non-renewal notice, request the reason in writing. Many factors can be corrected through mitigation improvements such as roof replacement, added storm shutters, or wind certification. Keep detailed records of completed work and inspection results. If standard carriers remain unavailable, an insurance professional experienced with coastal properties can help find alternatives. Continuous coverage is crucial to maintaining eligibility and avoiding higher costs later.
How to Strengthen a Home Against Coastal Hazards
- Install a Class A or metal roof secured with hurricane straps or clips.
- Use impact-rated windows or storm shutters.
- Elevate living spaces and utilities above base flood elevation.
- Anchor decks, carports, and exterior structures.
- Seal vents and openings to prevent water intrusion.
- Replace older siding with materials rated for wind and salt resistance.
- Maintain gutters and drainage systems to prevent pooling water.
Community Preparedness and Prevention
Residents should review local evacuation routes, sign up for weather alerts, and prepare an emergency supply kit before hurricane season begins. Communities can strengthen resilience by maintaining drainage systems, supporting flood mitigation projects, and following updated building codes. Cooperation at the neighborhood level can significantly reduce shared losses.
Staying Protected in a Changing Environment
Living near Alabama's coast offers many benefits, but it also comes with predictable seasonal risks. Through preparation, maintenance, and comprehensive insurance coverage, homeowners can safeguard their property, remain insurable, and recover quickly when severe weather strikes.