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The Baldwin County Building Department recently sent letters reminding property owners that areas like ours have experienced multiple flood events and claims filed with FEMA. As part of the National Flood Insurance Program (NFIP) and the Community Rating System (CRS), Baldwin County helps reduce flood losses and offers discounts on flood insurance premiums.

Understanding Your Flood Risk

Flooding can happen anywhere—but coastal homeowners are particularly vulnerable due to heavy rainfall, tropical systems, and our proximity to bays, rivers, and the Gulf. Hurricane Sally in 2020 and the April 2025 flash floods are recent reminders of how quickly rising water can impact homes and roads in Orange Beach, Daphne, and beyond.

Before the next storm, visit msc.fema.gov to check your property’s flood zone. Knowing your risk helps you make informed decisions about insurance coverage and flood mitigation.

How to Prepare Before the Water Rises

Over my 20 years in real estate, I’ve seen firsthand how a few simple steps can make all the difference. Here’s what I recommend:

• Turn off your utilities safely. Learn how to shut off your electricity and gas. Label your breaker box so circuits in flood-prone areas can be cut quickly.

• Protect valuables and paperwork. Store insurance documents, prescriptions, and irreplaceable items in waterproof containers.

• Create a home inventory. Keep digital copies of your property photos and insurance records—this will simplify claims later.

• Have a plan. Visit redcross.org for emergency plan templates and share your safe evacuation location with neighbors and contacts.

Start your emergency plan now—don’t wait for rising water.

Protect Your Home with Simple Fixes

• Seal low entry points. Close gaps around basement windows, vents, and stairwells to reduce water intrusion.

• Keep cleaning supplies, boots, and a camera handy. Documenting damage quickly helps with insurance claims.

• Label key systems. Make sure you and others know where breakers, valves, and emergency shutoffs are located.

Even small improvements can prevent major losses when water levels rise unexpectedly.

Long-Term Protection: Think Resilience

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