Home Insurance in Repton, Alabama
Homes in Repton carry a median value of $82,200 - 22% lower than the Conecuh County median.
The typical home in Repton was built around 1964. About 39% of homes were built before 1960, about 22 points above Conecuh County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Repton, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Repton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Repton has an owner-occupancy rate of 78% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
Most homes in Repton - 59% - 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 | $82,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)