Home Insurance in Heath, Alabama
The median home value in Heath is $89,200, 41% 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 Heath was built around 1973. About 44% of homes were built before 1960, about 22 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 Heath is 28% single-family homes and 32% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 28% of owner-occupied homes in Heath have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Heath has an owner-occupancy rate of 52% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Heath, 89% of homes are primarily heated with electricity.
FEMA rates Covington County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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 | $89,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)