Home Insurance in Crenshaw County, Alabama
With a median home value of $114,000, Crenshaw County is 46% lower than the Alabama median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crenshaw County was built around 1982. About 15% of homes were built before 1960, about 1 point below Alabama's 16%.
The housing stock in Crenshaw County is 65% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Crenshaw County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crenshaw County has an owner-occupancy rate of 73% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Crenshaw County - 70% - 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.
Per FEMA's National Risk Index, Crenshaw County's top hazards are hurricane (Relatively Moderate), tornado (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Crenshaw County has 4 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $114,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)