Home Insurance in Pisgah, Alabama
With a median home value of $134,400, Pisgah is 16% lower than the Jackson County median.
The typical home in Pisgah was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 5 points above Jackson County's 16%.
The housing stock in Pisgah is 75% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Pisgah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Pisgah are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pisgah, 71% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Pisgah? FEMA's National Risk Index points to tornado (Relatively High) in Jackson County and Jackson County had 126 active NFIP flood policies as of September 2026. See the full Jackson 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 | $134,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jackson County | 126 |
| 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)