Home Insurance in Demopolis, Alabama
Homes in Demopolis carry a median value of $183,600 - 71% higher than the Marengo County median.
The typical home in Demopolis was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 5 points above Marengo County's 17%.
The housing stock in Demopolis is 65% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Demopolis, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Demopolis has an owner-occupancy rate of 55% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
71% of homes in Demopolis are primarily heated with electricity.
Marengo County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Marengo County had 75 active NFIP flood policies as of September 2026. See the full Marengo County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $183,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Marengo County | 75 |
| 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)