THE KILGORE AGENCY, LLC
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Flood Insurance

It doesn't matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn't cover it. Let us give you a quote today!

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What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. 

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about the right amount of flood coverage for your home.
(205) 739-3549
9340 Helena Road
Suite F #160
Birmingham, AL 35244​
Click Here to Email Us
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The Kilgore Agency, LLC.
9340 Helena Road
Suite F #160
Birmingham, AL 35244
(205) 739-3549​
Click Here to Email Us

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  • Home
  • Quotes
    • Property Quotes >
      • Home Insurance Quote
      • Home Warranty Quote
      • Renters Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • Auto Warranty Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Life Insurance Quote
    • Health Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
    • Prescription Savings Card
    • Dental Insurance Quote
    • Medicare Quotes >
      • Medicare Advantage Plan Quote
      • Medicare Supplement Coverage Quote
      • Prescription Drug Plans Quote
    • Other Quotes >
      • Umbrella Insurance Quote
      • Boat Insurance Quote
  • Insurance
    • Property >
      • Home Insurance
      • Home Warranty
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • Auto Warranty
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Life Insurance
    • Health Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
    • Prescription Savings Card
    • Dental Insurance
    • Other >
      • Umbrella Insurance
      • Boat Insurance
  • Medicare
    • Medicare Advantage Plans
    • Medicare Supplement Insurance
    • Prescription Drug Plans
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Newsletter Signup
    • News
    • Start your own insurance agency
  • Contact