Home Insurance in Black, Alabama
Homes in Black carry a median value of $67,700 - 48% lower than the Geneva County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Black was built around 1992. About 15% of homes were built before 1960, about 6 points below Geneva County's 21%.
The housing stock in Black is 38% single-family homes and 59% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 23% of owner-occupied homes in Black have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Black are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Black, 92% of homes are primarily heated with electricity.
FEMA rates Geneva County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Geneva County had 63 active NFIP flood policies as of September 2026. See the full Geneva 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 | $67,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Geneva County | 63 |
| 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)