Home Insurance in Avon, Alabama
Homes in Avon carry a median value of $122,500 - 33% lower than the Houston County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Avon was built around 1978. About 10% of homes were built before 1960, about 4 points below Houston County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Avon is 74% single-family homes and 26% mobile or manufactured homes.
In Avon, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Avon are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
99% of homes in Avon are primarily heated with electricity.
Houston County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Houston County had 324 active NFIP flood policies as of September 2026. See the full Houston 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 | $122,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Houston County | 324 |
| 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)