Home Insurance in Piedmont, Alabama
Homes in Piedmont carry a median value of $114,800 - 27% lower than the Calhoun County median.
The typical home in Piedmont was built around 1963. About 46% of homes were built before 1960, about 22 points above Calhoun County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Piedmont is 78% single-family homes, 4% 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.
36% of owner-occupied homes in Piedmont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Piedmont has an owner-occupancy rate of 62% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Piedmont - 61% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Calhoun County had 368 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Calhoun 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 | $114,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)