Home Insurance in Jackson County, Alabama
With a median home value of $159,500, Jackson County is 24% lower than the Alabama median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jackson County was built around 1985. About 16% of homes were built before 1960, in line with Alabama (16%).
The housing stock in Jackson County is 72% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jackson County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Jackson County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jackson County, 73% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Jackson County's top hazards are tornado (Relatively High), strong wind (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Jackson County had 126 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $159,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 126 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bridgeport
- Dutton
- Hollywood
- Hytop
- Langston
- Paint Rock
- Pisgah
- Pleasant Groves
- Scottsboro
- Section
- Skyline
- Stevenson
- Woodville
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)