Home Insurance in Tuskegee, Alabama
With a median home value of $104,800, Tuskegee is close to the Macon County median.
The typical home in Tuskegee was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 2 points above Macon County's 16%.
In Tuskegee, the housing stock is 63% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
37% of owner-occupied homes in Tuskegee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Tuskegee are owner-occupied.
In Tuskegee, 53% of homes are primarily heated with natural gas.
Macon County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Macon County had 17 active NFIP flood policies as of September 2026. See the full Macon 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 | $104,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Macon County | 17 |
| 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)