Home Insurance in Clarke County, Alabama
With a median home value of $121,700, Clarke County is 42% lower than the Alabama median.
The typical home in Clarke County was built around 1981. About 15% of homes were built before 1960, about 1 point below Alabama's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarke County is 68% single-family homes, 4% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
In Clarke County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Clarke County are owner-occupied.
Most homes in Clarke County - 65% - 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.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Moderate) and earthquake (Very Low) as the leading hazards for Clarke County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Clarke County has 28 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $121,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 28 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)