Home Insurance in Enterprise, Alabama
The median home value in Enterprise is $202,900, 8% higher than the Coffee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Enterprise was built around 1989. About 10% of homes were built before 1960, about 3 points below Coffee County's 13%.
In Enterprise, the housing stock is 80% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
67% of owner-occupied homes in Enterprise carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Enterprise has an owner-occupancy rate of 63% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
88% of homes in Enterprise are primarily heated with electricity.
What's the biggest home insurance risk near Enterprise? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Coffee County and 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 | $202,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)