Home Insurance in Eufaula, Alabama
Homes in Eufaula carry a median value of $139,900 - 24% higher than the Barbour County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Eufaula was built around 1981. About 17% of homes were built before 1960, about 1 point below Barbour County's 18%.
The housing stock in Eufaula is 69% single-family homes, 7% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Eufaula have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Eufaula are owner-occupied.
Most homes in Eufaula - 89% - are primarily heated with electricity.
FEMA rates Barbour County's overall risk as Relatively Low, led by hurricane (Relatively Low). Barbour County had 31 active NFIP flood policies as of September 2026. See the full Barbour 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 | $139,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Barbour County | 31 |
| 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)