Home Insurance in Bear Creek, Alabama
Homes in Bear Creek carry a median value of $96,900 - 9% lower than the Marion County median.
The typical home in Bear Creek was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 8 points below Marion County's 17%.
The housing stock in Bear Creek is 60% single-family homes, 1% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Bear Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bear Creek has an owner-occupancy rate of 82% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Bear Creek, 53% of homes are primarily heated with electricity.
Marion County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $96,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Marion County | 28 |
| 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)