Home Insurance in Thomaston, Alabama
With a median home value of $92,700, Thomaston is 14% lower than the Marengo 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 Thomaston was built around 1966. About 42% of homes were built before 1960, about 25 points above Marengo County's 17%.
In Thomaston, the housing stock is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Thomaston, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Thomaston are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Thomaston - 50% - 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.
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 | $92,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)