Home Insurance in Brent, Alabama
The median home value in Brent is $146,500, close to the Bibb County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brent was built around 1978. About 19% of homes were built before 1960, about 4 points above Bibb County's 15%.
In Brent, the housing stock is 53% single-family homes, 12% apartments in buildings with 5+ units and 12% 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.
In Brent, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brent has an owner-occupancy rate of 53% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Brent, 64% of homes are primarily heated with electricity.
Bibb County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Bibb County had 24 active NFIP flood policies as of September 2026. See the full Bibb 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 | $146,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bibb County | 24 |
| 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)