Home Insurance in St. Florian, Alabama
The median home value in St. Florian is $314,000, 57% higher than the Lauderdale County median.
The typical home in St. Florian was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 9 points below Lauderdale County's 19%.
The housing stock in St. Florian is 72% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in St. Florian have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in St. Florian are owner-occupied.
In St. Florian, 73% of homes are primarily heated with electricity.
What's the biggest home insurance risk near St. Florian? FEMA's National Risk Index points to strong wind (Relatively High) in Lauderdale County and Lauderdale County had 136 active NFIP flood policies as of September 2026. See the full Lauderdale County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $314,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lauderdale County | 136 |
| 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)