Home Insurance in Opp, Alabama
Homes in Opp carry a median value of $115,700 - 24% lower than the Covington County median.
The typical home in Opp was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 1 point 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 Opp is 81% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Opp, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Opp are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Opp, 78% of homes are primarily heated with electricity.
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.
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 | $115,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)