Home Insurance in Silverhill, Alabama
The median home value in Silverhill is $265,600, 16% lower than the Baldwin County median.
The typical home in Silverhill was built around 1992. About 17% of homes were built before 1960, about 12 points above Baldwin County's 5%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Silverhill breaks down to 97% single-family homes and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Silverhill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Silverhill are owner-occupied.
In Silverhill, 83% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Silverhill? FEMA's National Risk Index points to hurricane (Very High) in Baldwin County and Baldwin County had 24,999 active NFIP flood policies as of September 2026. 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 | $265,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)