Home Insurance in Clayhatchee, Alabama
With a median home value of $99,200, Clayhatchee is 31% lower than the Dale County median.
The typical home in Clayhatchee was built around 1984. About 14% of homes were built before 1960, about 1 point above Dale County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clayhatchee, the housing stock is 59% single-family homes, 1% apartments in buildings with 5+ units and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clayhatchee, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Clayhatchee are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Clayhatchee are primarily heated with electricity.
FEMA rates Dale County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Dale County had 68 active NFIP flood policies as of September 2026. See the full Dale 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 | $99,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Dale County | 68 |
| 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)