Home Insurance in Barbour County, Alabama
With a median home value of $112,900, Barbour County is 46% lower than the Alabama median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Barbour County was built around 1983. About 18% of homes were built before 1960, about 2 points above Alabama's 16%.
The housing stock in Barbour County is 62% single-family homes, 4% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Barbour County, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Barbour County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Barbour County, 86% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Barbour County's top hazards are hurricane (Relatively Low), tornado (Relatively Moderate) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Barbour County has 31 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $112,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 31 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)