Home Insurance in Gilbertown, Alabama
Homes in Gilbertown carry a median value of $160,400 - 30% higher than the Choctaw County median.
The typical home in Gilbertown was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, in line with Choctaw County (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gilbertown is 67% single-family homes, 6% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
About 45% of owner-occupied homes in Gilbertown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gilbertown has an owner-occupancy rate of 84% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Gilbertown - 80% - are primarily heated with electricity.
FEMA rates Choctaw County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Choctaw County had 33 active NFIP flood policies as of September 2026. See the full Choctaw 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 | $160,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Choctaw County | 33 |
| 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)