Home Insurance in Loxley, Alabama
Homes in Loxley carry a median value of $398,500 - 26% higher than the Baldwin County median.
The typical home in Loxley was built around 2011. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 10 points above Baldwin County's 5%.
Housing in Loxley breaks down to 91% single-family homes and 1% mobile or manufactured homes.
In Loxley, about 85% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Loxley are owner-occupied.
72% of homes in Loxley 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.
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 | $398,500 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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)