Home Insurance in Rehobeth, Alabama
Homes in Rehobeth carry a median value of $242,900 - 33% higher 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 Rehobeth was built around 2000. About 5% of homes were built before 1960, about 9 points below Houston County's 14%.
In Rehobeth, the housing stock is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rehobeth, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Rehobeth are owner-occupied.
In Rehobeth, 90% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Rehobeth? 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 | $242,900 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)