Home Insurance in Fort Deposit, Alabama
The median home value in Fort Deposit is $78,000, 10% lower than the Lowndes County median.
The typical home in Fort Deposit was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, in line with Lowndes County (10%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fort Deposit is 36% single-family homes, 7% apartments in buildings with 5+ units and 35% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
20% of owner-occupied homes in Fort Deposit carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Fort Deposit are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fort Deposit - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near Fort Deposit? FEMA's National Risk Index points to hurricane (Relatively Low) in Lowndes County and Lowndes County had 62 active NFIP flood policies as of September 2026. See the full Lowndes 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 | $78,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lowndes County | 62 |
| 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)