HomeInsuranceQts

Home Insurance in Abbeville, Alabama

The median home value in Abbeville is $107,600, 33% lower than the Henry County median.

The typical home in Abbeville was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 8 points above Henry County's 17%.

The housing stock in Abbeville is 76% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Abbeville, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Abbeville has an owner-occupancy rate of 64% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.

90% of homes in Abbeville are primarily heated with electricity.

Henry County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Henry 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$107,600
Median year built1970
Owner-occupied share64%
Share of owner-occupied homes with a mortgage47%
Top county hazardHurricane (Relatively Moderate)
Active NFIP policies in Henry County28
Home insurance premium$1,906 - statewide average (NAIC, 2023 data)
Key home insurance figures for Abbeville, AL

Nearby towns

Sources

Data last updated: 2026-09-29