Home Insurance in Covington County, Alabama
Homes in Covington County carry a median value of $152,100 - 28% lower than the Alabama median.
The typical home in Covington County was built around 1979. About 22% of homes were built before 1960, about 6 points above Alabama's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Covington County, the housing stock is 74% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Covington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Covington County are owner-occupied.
Most homes in Covington County - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively High), tornado (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Covington County.
As of September 2026, Covington County has 98 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $152,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 98 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
- Andalusia
- Babbie
- Carolina
- Florala
- Gantt
- Heath
- Horn Hill
- Libertyville
- Lockhart
- Onycha
- Opp
- Red Level
- River Falls
- Sanford
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)