Home Insurance in Thomasville, Alabama
With a median home value of $116,000, Thomasville is close to the Clarke County median.
The typical home in Thomasville was built around 1980. About 19% of homes were built before 1960, about 4 points above Clarke County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Thomasville is 70% single-family homes, 6% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Thomasville, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Thomasville are owner-occupied.
Most homes in Thomasville - 67% - are primarily heated with electricity.
What's the biggest home insurance risk near Thomasville? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Clarke County and 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 | $116,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)