Home Insurance in Brewton, Alabama
Homes in Brewton carry a median value of $150,100 - 10% higher than the Escambia County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brewton was built around 1975. About 19% of homes were built before 1960, about 3 points above Escambia County's 16%.
In Brewton, the housing stock is 80% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Brewton, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Brewton are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Brewton, 75% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Brewton? 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.
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 | $150,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)