Home Insurance in Gordon, Alabama
With a median home value of $86,700, Gordon is 53% 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 Gordon was built around 1982. About 13% of homes were built before 1960, about 1 point below Houston County's 14%.
The housing stock in Gordon is 55% single-family homes and 45% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
13% of owner-occupied homes in Gordon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Gordon are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Gordon - 83% - are primarily heated with electricity.
Houston County had 324 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $86,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)