Home Insurance in Pleasant Groves, Alabama
Homes in Pleasant Groves carry a median value of $159,500 - close to the Jackson County median.
The typical home in Pleasant Groves was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 9 points below Jackson County's 16%.
The housing stock in Pleasant Groves is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Pleasant Groves have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Pleasant Groves are owner-occupied.
Most homes in Pleasant Groves - 65% - 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.
FEMA rates Jackson County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | 1977 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)