HomeInsuranceQts

Home Insurance in Perdido Beach, Alabama

Homes in Perdido Beach carry a median value of $341,700 - 8% higher than the Baldwin County median.

The typical home in Perdido Beach was built around 1985. About 7% of homes were built before 1960, about 2 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.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Perdido Beach is 84% single-family homes and 13% mobile or manufactured homes.

In Perdido Beach, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Perdido Beach has an owner-occupancy rate of 93% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.

93% of homes in Perdido Beach 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$341,700
Median year built1985
Owner-occupied share93%
Share of owner-occupied homes with a mortgage60%
Top county hazardHurricane (Very High)
Active NFIP policies in Baldwin County24,999
Home insurance premium$1,906 - statewide average (NAIC, 2023 data)
Key home insurance figures for Perdido Beach, AL

Nearby towns

Sources

Data last updated: 2026-09-29