Home Insurance in Escambia County, Alabama
Homes in Escambia County carry a median value of $136,500 - 35% lower than the Alabama median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Escambia County was built around 1983. About 16% of homes were built before 1960, in line with Alabama (16%).
The housing stock in Escambia County is 69% single-family homes, 5% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Escambia County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Escambia County are owner-occupied.
84% of homes in Escambia County are primarily heated with electricity.
Per FEMA's National Risk Index, Escambia County's top hazards are hurricane (Relatively High), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
Escambia County had 130 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $136,500 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 130 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)