Home Insurance in Elberta, Alabama
The median home value in Elberta is $232,800, 27% lower than the Baldwin County median.
The typical home in Elberta was built around 1995. About 9% of homes were built before 1960, about 4 points above Baldwin County's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Elberta, the housing stock is 64% single-family homes, 5% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Elberta, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Elberta are owner-occupied.
In Elberta, 86% of homes are primarily heated with electricity.
Baldwin County had 24,999 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Baldwin County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $232,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Baldwin County | 24,999 |
| 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)