Home Insurance in Grove Hill, Alabama
Homes in Grove Hill carry a median value of $126,800 - close to the Clarke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Grove Hill was built around 1972. About 23% of homes were built before 1960, about 9 points above Clarke County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grove Hill is 84% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
47% of owner-occupied homes in Grove Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Grove Hill are owner-occupied.
In Grove Hill, 54% of homes are primarily heated with electricity.
Clarke County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Clarke County had 28 active NFIP flood policies as of September 2026. See the full Clarke 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 | $126,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Clarke County | 28 |
| 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)