Lower Flood Insurance Coming for Gulf Shores

Lower Flood Insurance Coming for Gulf Shores

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GULF SHORES, Alabama -

From the Gulf of Mexico to Little Lagoon, water is part of the attraction of Gulf Shores but it can also be devastating. 

"The water is a big issue in this part of Gulf Shores." Homeowners like Andy Bauer have had their struggles.

"Ivan, the water level was about here." His home sits 12 feet above sea level. Flood insurance is a must. "Almost any tropical storm of any significant nature floods my back yard, the road across the street floods," says Bauer.

A recent audit of the city's flood insurance program is good news for folks like Bauer. The city's flood rating has improved from a 9 to an 8, meaning anywhere from a five to 10 percent discount on insurance premiums.

"The community has about 5 and half million dollars in flood insurance," says public works director Mark Acreman, "so ten percent of that is going to be about a half a million dollar savings for the whole community."

Also helping to keep that flood insurance rate down is keeping the water flowing through the city. The city has done millions of dollars in drainage projects just in the last few years.

"Our community is safer, they're higher, their dryer as a whole and they are built better," says Acreman.

"That's great news," says Bauer. "We'll take anything we can get."

There's no way to stop the water from rising but making it a little more affordable to protect your home makes living on the island, even better.

By comparison, the city of Orange Beach's flood rating is at 7 giving homeowners a 15 percent discount on premiums. Baldwin county's flood rating is at 6 providing a 20 percent discount.

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