Chelsea has 16,260 residents in 5,724 households. We list 5 insurance agencies in Chelsea. Here is what the local numbers say about the cover people here need.

Chelsea at a glance

5insurance agencies listed
10%of households rentRenters insurance
$360,000median home valueHome insurance
2007median year homes were builtRebuild cost calculator
1.5%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 Shelby County

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

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Alabama
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Alabama

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 Alabama How much liability cover do you need?

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

Questions

Insurance agencies in Chelsea

How do I find an insurance agency in Chelsea?

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.

Do I need flood insurance in Chelsea?

FEMA's National Risk Index rates inland flooding risk in Shelby County as Relatively Moderate 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.

Do I need renters insurance in Chelsea?

10% of households in Chelsea rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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