Home Insurance in Five Points, Alabama
Homes in Five Points carry a median value of $119,800 - 12% lower than the Chambers County median.
The typical home in Five Points was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 2 points above Chambers County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Five Points is 79% single-family homes and 18% mobile or manufactured homes.
44% of owner-occupied homes in Five Points carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Five Points has an owner-occupancy rate of 92% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
Most homes in Five Points - 84% - 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.
Chambers County had 34 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Chambers 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 | $119,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Chambers County | 34 |
| 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)