Home Insurance in Evergreen, Alabama
With a median home value of $98,700, Evergreen is 6% lower than the Conecuh County median.
The typical home in Evergreen was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 6 points above Conecuh County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Evergreen is 64% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 26% of owner-occupied homes in Evergreen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Evergreen has an owner-occupancy rate of 53% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
In Evergreen, 61% of homes are primarily heated with electricity.
Conecuh County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Conecuh County had 3 active NFIP flood policies as of September 2026. See the full Conecuh 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 | $98,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Conecuh County | 3 |
| 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)