Home Insurance in Dothan, Alabama
Homes in Dothan carry a median value of $194,000 - 6% higher than the Houston County median.
The typical home in Dothan was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 2 points above Houston County's 14%.
The housing stock in Dothan is 73% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Dothan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Dothan are owner-occupied.
91% of homes in Dothan are primarily heated with electricity.
What's the biggest home insurance risk near Dothan? FEMA's National Risk Index points to tornado (Relatively High) in Houston County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $194,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)