Home Insurance in Oxford, Alabama
The median home value in Oxford is $170,900, 9% higher than the Calhoun County median.
The typical home in Oxford was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 9 points below Calhoun County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oxford is 79% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 57% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oxford has an owner-occupancy rate of 75% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Oxford, 65% of homes are primarily heated with electricity.
FEMA rates Calhoun County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
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 | $170,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)