Home Insurance in Huntsville, Alabama
Homes in Huntsville carry a median value of $293,600 - close to the Madison County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Huntsville was built around 1985. About 13% of homes were built before 1960, about 3 points above Madison County's 9%.
The housing stock in Huntsville is 67% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Huntsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Huntsville are owner-occupied.
In Huntsville, 75% of homes are primarily heated with electricity.
FEMA rates Madison County's overall risk as Relatively High, led by tornado (Relatively High). Madison County had 3,354 active NFIP flood policies as of September 2026. See the full Madison 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 | $293,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Madison County | 3,354 |
| 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)