Home Insurance in Rutledge, Alabama
Homes in Rutledge carry a median value of $63,300 - 44% lower than the Crenshaw County median.
The typical home in Rutledge was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 14 points above Crenshaw County's 15%.
The housing stock in Rutledge is 78% single-family homes, 1% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rutledge, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Rutledge are owner-occupied.
Most homes in Rutledge - 54% - are primarily heated with electricity.
What's the biggest home insurance risk near Rutledge? 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.
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 | $63,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)