Home Insurance in Prattville, Alabama
With a median home value of $214,600, Prattville is close to the Autauga County median.
The typical home in Prattville was built around 1995. About 6% of homes were built before 1960, about 2 points below Autauga County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Prattville is 79% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
66% of owner-occupied homes in Prattville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Prattville are owner-occupied.
In Prattville, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Prattville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Autauga County and Autauga County had 222 active NFIP flood policies as of September 2026. See the full Autauga County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $214,600 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Autauga County | 222 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)