Home Insurance in Horn Hill, Alabama
Homes in Horn Hill carry a median value of $150,000 - close to the Covington County median.
The typical home in Horn Hill was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 7 points below 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 Horn Hill is 72% single-family homes and 28% mobile or manufactured homes.
44% of owner-occupied homes in Horn Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Horn Hill has an owner-occupancy rate of 81% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Horn Hill - 79% - 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 had 98 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). 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 | $150,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)