Home Insurance in Eclectic, Alabama
Homes in Eclectic carry a median value of $161,800 - 28% lower than the Elmore County median.
The typical home in Eclectic was built around 1976. About 18% of homes were built before 1960, about 10 points above Elmore County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Eclectic is 79% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Eclectic have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Eclectic has an owner-occupancy rate of 68% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Eclectic - 62% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Elmore County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $161,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)