Home Insurance in Atmore, Alabama
With a median home value of $157,800, Atmore is 16% higher than the Escambia County median.
The typical home in Atmore was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 6 points above Escambia County's 16%.
The housing stock in Atmore is 72% single-family homes, 12% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Atmore, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Atmore are owner-occupied.
86% of homes in Atmore are primarily heated with electricity.
What's the biggest home insurance risk near Atmore? FEMA's National Risk Index points to hurricane (Relatively High) in Escambia County and Escambia County had 130 active NFIP flood policies as of September 2026. See the full Escambia County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $157,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Escambia County | 130 |
| 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)