Home Insurance in Altoona, Alabama
With a median home value of $114,100, Altoona is 32% lower than the Etowah County median.
The typical home in Altoona was built around 1974. About 32% of homes were built before 1960, about 4 points above Etowah County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Altoona is 68% single-family homes, 15% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Altoona, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Altoona are owner-occupied.
85% of homes in Altoona are primarily heated with electricity.
Etowah County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Etowah County had 234 active NFIP flood policies as of September 2026. See the full Etowah 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 | $114,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Etowah County | 234 |
| 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)