Home Insurance in Babbie, Alabama
Homes in Babbie carry a median value of $181,300 - 19% higher than the Covington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Babbie was built around 1994. About 6% of homes were built before 1960, about 16 points below Covington County's 22%.
In Babbie, the housing stock is 71% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Babbie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Babbie are owner-occupied.
Most homes in Babbie - 75% - 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.
Covington County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Covington County had 98 active NFIP flood policies as of September 2026. See the full Covington County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $181,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Covington County | 98 |
| 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)