HomeInsuranceQts

Home Insurance in Lockhart, Alabama

With a median home value of $68,300, Lockhart is 55% lower than the Covington County median.

The typical home in Lockhart was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 22 points above Covington County's 22%.

In Lockhart, the housing stock is 78% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Lockhart, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Lockhart has an owner-occupancy rate of 55% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lockhart, 73% 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.

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$68,300
Median year built1964
Owner-occupied share55%
Share of owner-occupied homes with a mortgage23%
Top county hazardHurricane (Relatively High)
Active NFIP policies in Covington County98
Home insurance premium$1,906 - statewide average (NAIC, 2023 data)
Key home insurance figures for Lockhart, AL

Nearby towns

Sources

Data last updated: 2026-09-29