Home Insurance in Conecuh County, Alabama
Homes in Conecuh County carry a median value of $105,300 - 50% lower than the Alabama median.
The typical home in Conecuh County was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, in line with Alabama (16%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Conecuh County is 67% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
About 29% of owner-occupied homes in Conecuh County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Conecuh County has an owner-occupancy rate of 74% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Conecuh County, 67% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Low) and wildfire (Very Low) as the leading hazards for Conecuh County.
Conecuh County had 3 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $105,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)