Home Insurance in Valley, Alabama
With a median home value of $140,800, Valley is close to the Chambers County median.
The typical home in Valley was built around 1978. About 32% of homes were built before 1960, about 4 points above Chambers County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Valley, the housing stock is 70% single-family homes, 23% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Valley, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Valley has an owner-occupancy rate of 67% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
62% of homes in Valley are primarily heated with electricity.
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.
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 | $140,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)