Home Insurance in Houston County, Alabama
Homes in Houston County carry a median value of $183,300 - 13% lower than the Alabama median.
The typical home in Houston County was built around 1985. About 14% of homes were built before 1960, about 2 points below Alabama's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Houston County is 71% single-family homes, 9% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Houston County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Houston County has an owner-occupancy rate of 64% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Houston County - 92% - are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively High), hurricane (Relatively High) and strong wind (Relatively High) as the leading hazards for Houston County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Houston County has 324 active NFIP flood policies on file.
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 | $183,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 324 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)