Home Insurance in Brantley, Alabama
Homes in Brantley carry a median value of $142,200 - 25% higher than the Crenshaw County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brantley was built around 1971. About 36% of homes were built before 1960, about 21 points above Crenshaw County's 15%.
The housing stock in Brantley is 68% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
68% of owner-occupied homes in Brantley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Brantley are owner-occupied.
Most homes in Brantley - 80% - are primarily heated with electricity.
Crenshaw County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Crenshaw County had 4 active NFIP flood policies as of September 2026. See the full Crenshaw County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $142,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Crenshaw County | 4 |
| 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)