Home Insurance in Autauga County, Alabama
With a median home value of $207,200, Autauga County is close to the Alabama median.
The typical home in Autauga County was built around 1994. About 7% of homes were built before 1960, about 9 points below Alabama's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Autauga County is 76% single-family homes, 6% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
56% of owner-occupied homes in Autauga County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Autauga County has an owner-occupancy rate of 77% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Autauga County are primarily heated with electricity.
The top hazards for Autauga County, per FEMA's National Risk Index, are tornado (Relatively Moderate), hurricane (Relatively Low) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Autauga County had 222 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $207,200 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 222 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)