Home Insurance in Eutaw, Alabama
The median home value in Eutaw is $99,100, 22% higher than the Greene County median.
The typical home in Eutaw was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 4 points above Greene County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eutaw is 68% single-family homes, 19% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Eutaw, about 12% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 37% of occupied homes in Eutaw are owner-occupied.
66% of homes in Eutaw are primarily heated with electricity.
Greene County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Greene County had 71 active NFIP flood policies as of September 2026. See the full Greene 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 | $99,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Greene County | 71 |
| 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)