Home Insurance in Coffee Springs, Alabama
Homes in Coffee Springs carry a median value of $69,200 - 47% lower than the Geneva County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Coffee Springs was built around 1965. About 38% of homes were built before 1960, about 16 points above Geneva County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coffee Springs is 72% single-family homes and 28% mobile or manufactured homes.
In Coffee Springs, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Coffee Springs are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Coffee Springs, 99% of homes are primarily heated with electricity.
Geneva County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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 | $69,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)