Home Insurance in Summerdale, Alabama
The median home value in Summerdale is $274,800, 13% lower than the Baldwin County median.
The typical home in Summerdale was built around 2007. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 9 points above Baldwin County's 5%.
The housing stock in Summerdale is 95% single-family homes and 1% apartments in buildings with 5+ units.
About 54% of owner-occupied homes in Summerdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Summerdale are owner-occupied.
93% of homes in Summerdale are primarily heated with electricity.
What's the biggest home insurance risk near Summerdale? 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.
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 | $274,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)