Home Insurance in Florala, Alabama
With a median home value of $91,600, Florala is 40% lower 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 Florala was built around 1966. About 45% of homes were built before 1960, about 24 points above Covington County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Florala is 69% single-family homes, 3% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
In Florala, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Florala are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Florala are primarily heated with electricity.
What's the biggest home insurance risk near Florala? FEMA's National Risk Index points to hurricane (Relatively High) in Covington County and 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 | $91,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)