Home Insurance in Headland, Alabama
Homes in Headland carry a median value of $219,600 - 36% higher than the Henry County median.
The typical home in Headland was built around 1991. About 19% of homes were built before 1960, about 2 points above Henry County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Headland, the housing stock is 92% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in Headland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Headland has an owner-occupancy rate of 79% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Headland - 93% - are primarily heated with electricity.
Henry County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Henry County had 28 active NFIP flood policies as of September 2026. 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 | $219,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Henry County | 28 |
| 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)