Home Insurance in Deatsville, Alabama
The median home value in Deatsville is $246,600, 10% higher than the Elmore County median.
The typical home in Deatsville was built around 2005. About 2% of homes were built before 1960, about 6 points below 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 Deatsville is 92% single-family homes and 8% mobile or manufactured homes.
About 81% of owner-occupied homes in Deatsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Deatsville are owner-occupied.
72% of homes in Deatsville are primarily heated with electricity.
What's the biggest home insurance risk near Deatsville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Elmore County and 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.
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 | $246,600 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)