Home Insurance in Phil Campbell, Alabama
The median home value in Phil Campbell is $113,600, 16% lower than the Franklin County median.
The typical home in Phil Campbell was built around 1983. About 17% of homes were built before 1960, about 2 points above Franklin County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Phil Campbell, the housing stock is 64% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Phil Campbell, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Phil Campbell has an owner-occupancy rate of 64% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Phil Campbell, 74% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Phil Campbell? FEMA's National Risk Index points to tornado (Relatively High) in Franklin County and Franklin County had 18 active NFIP flood policies as of September 2026. See the full Franklin 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 | $113,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Franklin County | 18 |
| 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)