Home Insurance in Stevenson, Alabama
The median home value in Stevenson is $156,900, close to the Jackson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stevenson was built around 1976. About 28% of homes were built before 1960, about 12 points 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 Stevenson is 70% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
47% of owner-occupied homes in Stevenson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stevenson has an owner-occupancy rate of 57% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Stevenson - 77% - 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.
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 | $156,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 57% |
| 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)