Home Insurance in Ashland, Alabama
Homes in Ashland carry a median value of $159,300 - close to the Clay County median.
The typical home in Ashland was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 4 points above Clay County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ashland is 63% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Ashland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ashland has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Ashland, 51% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Ashland? FEMA's National Risk Index points to wildfire (Relatively Low) in Clay County and Clay County has no active NFIP flood policies on file. See the full Clay County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $159,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)