Huntsville has 222,791 residents in 95,310 households. We list 3 agencies for surety bonds insurance in Huntsville. Here is what the local numbers say about the cover people here need.

Huntsville at a glance

3surety bonds insurance agencies listed
41.7%of households rentRenters insurance
$293,600median home valueHome insurance
1985median year homes were builtRebuild cost calculator
4.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Madison County

FEMA rates the overall natural hazard risk in Madison County, where most Huntsville agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Huntsville
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Huntsville
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Huntsville
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Alabama
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Alabama

Alabama requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Huntsville How much liability cover do you need?

Source: revenue.alabama.gov. Checked 2026-10-24.

Where Huntsville agencies are

Huntsville agencies we list sit in 2 ZIP codes, mostly in Madison County.

358012 agencies
358051 agency

Questions

Surety Bonds insurance in Huntsville

All insurance agencies in Huntsville · Surety Bonds insurance across Alabama

Where can I find surety bonds insurance in Huntsville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does surety bonds insurance cover?

Guarantees you will meet a contractual or licensing obligation.

Do I need flood insurance in Huntsville?

FEMA's National Risk Index rates inland flooding risk in Madison County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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