Home Insurance in Reece City, Alabama
With a median home value of $153,800, Reece City is 8% lower than the Etowah County median.
The typical home in Reece City was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 15 points below Etowah County's 28%.
In Reece City, the housing stock is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Reece City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Reece City has an owner-occupancy rate of 94% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Reece City, 48% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Etowah County had 234 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Etowah County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $153,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)