Alabama's Gulf Coast — from Gulf Shores to Mobile Bay — faces significant hurricane risk. Hurricane Sally (2020) caused record flooding in the Mobile area. Know your deductible before season opens.
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Pre-loaded with Alabama rules
Baldwin County: 2–5% deductible. Gulf Shores and Orange Beach face direct Gulf exposure. Hurricane Sally (2020) caused record flooding here.
Standard for most AL coastal counties
Your Out-of-Pocket Exposure
$4,400
2% of $220,000 insured value
Manageable out-of-pocket. Ensure your emergency fund covers this amount.
The AIUA provides windstorm and hail coverage for coastal Alabama homeowners who cannot obtain coverage in the private market. Mobile and Baldwin counties are the primary coverage areas.
Alabama's Gulf Coast is vulnerable to storm surge from Gulf storms. Your hurricane deductible covers wind only — flood requires a separate NFIP or private flood policy.
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Alabama's Gulf Coast faces significant hurricane risk. Hurricane Sally (2020) demonstrated how devastating even a Cat 2 storm can be.
Hurricane deductibles apply when the NWS issues a hurricane watch or warning for your area. Tropical storms use your standard deductible.
Sally made landfall near Gulf Shores as a Cat 2 and caused record flooding in Mobile — more than 30 inches of rain in some areas.
Sally's damage was primarily flooding, not wind. Your hurricane deductible covers wind only — flood requires a separate NFIP or private flood policy.
If private carriers won't cover your coastal AL home, the Alabama Insurance Underwriting Association (AIUA) is the insurer of last resort.
| Region | Areas | Typical Deductible | Notes |
|---|---|---|---|
| Gulf Coast | Baldwin, Mobile | 2–5% | Direct Gulf/Bay exposure |
| South Alabama | Washington, Clarke, Monroe | 1–2% | Inland wind risk |
| Central Alabama | Montgomery, Autauga | 1% | Minimal hurricane risk |
| North Alabama | Jefferson, Madison, Shelby | 1% | Lowest hurricane risk |
The 2026 Atlantic hurricane season opens June 1. Compare insurance quotes now — before a named storm forms and carriers stop writing new policies.
Affiliate disclosure: We may earn a commission at no cost to you. This calculator is for informational purposes only — not insurance advice.