Home Insurance in Napier Field, Alabama
Homes in Napier Field carry a median value of $82,100 - 43% lower than the Dale County median.
The typical home in Napier Field was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 65% of homes were built before 1960, about 52 points above Dale County's 13%.
The housing stock in Napier Field is 42% single-family homes, 14% apartments in buildings with 5+ units and 18% 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.
In Napier Field, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Napier Field has an owner-occupancy rate of 58% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Napier Field - 97% - are primarily heated with electricity.
Dale County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $82,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)