Home Insurance in Coosada, Alabama
With a median home value of $169,900, Coosada is 24% lower than the Elmore County median.
The typical home in Coosada was built around 1990. About 11% of homes were built before 1960, about 3 points above Elmore County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coosada is 78% single-family homes, 1% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
In Coosada, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coosada has an owner-occupancy rate of 90% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
44% of homes in Coosada are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Elmore County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Elmore County had 346 active NFIP flood policies as of September 2026. See the full Elmore County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $169,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Elmore County | 346 |
| 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)