Earthquake insurance · Alabama

Earthquake Insurance Agencies in Alabama

Earthquake damage is excluded from home policies and needs its own cover.

Local insight

Earthquake insurance in Alabama: what to know

Alabama has 5,086,768 residents. We list 8 agencies for earthquake insurance in Alabama. Here is what the local numbers say about the cover people here need.

Alabama at a glance

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

Natural hazard risk across Alabama

How many of Alabama’s 67 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

  • Earthquake0 of 67 counties

    Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

    Earthquake insurance in Alabama
  • Lightning27 of 67 counties

    Very High in Jefferson County, Baldwin County, Mobile County and 3 more.

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Alabama
  • Tornado22 of 67 counties

    Very High in Jefferson County.

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Alabama
  • Strong wind15 of 67 counties

    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 Alabama
  • Hurricane5 of 67 counties

    Very High in Mobile County, Baldwin County.

    Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

    Home insurance in Alabama
  • Inland flooding4 of 67 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.

    Flood insurance in Alabama

Source: FEMA National Risk Index, December 2025 release.

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 AlabamaHow much liability cover do you need?

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

Questions

Earthquake insurance in Alabama

All insurance agencies in Alabama · Earthquake insurance in every state

Where can I find earthquake insurance in Alabama?

Pick your city in the list on this page to see every agency there that offers earthquake insurance, or search by name or ZIP code.

What does earthquake insurance cover?

Earthquake damage is excluded from home policies and needs its own cover.

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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