Home Insurance in Elba, Alabama
With a median home value of $114,500, Elba is 39% lower than the Coffee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Elba was built around 1972. About 25% of homes were built before 1960, about 12 points above Coffee County's 13%.
The housing stock in Elba is 79% single-family homes and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Elba have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elba has an owner-occupancy rate of 73% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Elba, 77% of homes are primarily heated with electricity.
FEMA rates Coffee County's overall risk as Relatively Moderate, led by hurricane (Relatively Moderate). Coffee County had 187 active NFIP flood policies as of September 2026. See the full Coffee County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $114,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Coffee County | 187 |
| 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)