Home Insurance in Flomaton, Alabama
The median home value in Flomaton is $111,200, 19% lower than the Escambia County median.
The typical home in Flomaton was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 5 points above Escambia County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Flomaton is 72% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Flomaton, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Flomaton are owner-occupied.
In Flomaton, 83% of homes are primarily heated with electricity.
FEMA rates Escambia County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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 | $111,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)