Home Insurance in Ardmore, Alabama
The median home value in Ardmore is $216,600, 23% lower than the Limestone County median.
The typical home in Ardmore was built around 1985. About 16% of homes were built before 1960, about 7 points above Limestone County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Ardmore is 77% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 70% of owner-occupied homes in Ardmore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ardmore has an owner-occupancy rate of 63% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Ardmore, 75% of homes 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.
What's the biggest home insurance risk near Ardmore? FEMA's National Risk Index points to earthquake (Relatively Low) in Limestone County and Limestone County had 251 active NFIP flood policies as of September 2026. See the full Limestone County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $216,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Limestone County | 251 |
| 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)