Home Insurance in Lee County, Alabama
Homes in Lee County carry a median value of $262,200 - 25% higher than the Alabama median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lee County was built around 1997. About 7% of homes were built before 1960, about 9 points below Alabama's 16%.
In Lee County, the housing stock is 63% single-family homes, 17% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Lee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lee County has an owner-occupancy rate of 66% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Lee County - 78% - are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hurricane (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Lee County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Lee County has 262 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $262,200 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 262 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
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)