Home Insurance in Coffee County, Alabama
Homes in Coffee County carry a median value of $188,600 - 10% lower than the Alabama median.
The typical home in Coffee County was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 3 points below Alabama's 16%.
In Coffee County, the housing stock is 77% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Coffee County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Coffee County are owner-occupied.
Most homes in Coffee County - 86% - are primarily heated with electricity.
Per FEMA's National Risk Index, Coffee County's top hazards are hurricane (Relatively Moderate), tornado (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Coffee County has 187 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $188,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 187 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
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)