Home Insurance in Jacksonville, Alabama
Homes in Jacksonville carry a median value of $185,500 - 18% higher than the Calhoun County median.
The typical home in Jacksonville was built around 1989. About 13% of homes were built before 1960, about 10 points below Calhoun County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jacksonville is 59% single-family homes, 23% apartments in buildings with 5+ units and 6% 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.
59% of owner-occupied homes in Jacksonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jacksonville has an owner-occupancy rate of 50% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Jacksonville, 85% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Jacksonville? FEMA's National Risk Index points to tornado (Relatively High) in Calhoun County and Calhoun County had 368 active NFIP flood policies as of September 2026. See the full Calhoun County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $185,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Calhoun County | 368 |
| 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)