Home Insurance in Scottsboro, Alabama
With a median home value of $190,400, Scottsboro is 19% higher than the Jackson County median.
The typical home in Scottsboro was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 1 point above Jackson County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scottsboro is 77% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
47% of owner-occupied homes in Scottsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Scottsboro are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Scottsboro - 74% - are primarily heated with electricity.
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 | $190,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)