Home Insurance in Dozier, Alabama
With a median home value of $76,400, Dozier is 33% lower than the Crenshaw County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dozier was built around 1975. About 18% of homes were built before 1960, about 4 points above Crenshaw County's 15%.
In Dozier, the housing stock is 38% single-family homes and 9% 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.
About 16% of owner-occupied homes in Dozier have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dozier has an owner-occupancy rate of 27% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Dozier, 90% of homes 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.
What's the biggest home insurance risk near Dozier? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Crenshaw County and 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.
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 | $76,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 27% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)