Home Insurance in Arab, Alabama
The median home value in Arab is $215,200, 7% higher than the Marshall County median.
The typical home in Arab was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 1 point above Marshall County's 14%.
The housing stock in Arab is 81% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
57% of owner-occupied homes in Arab carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Arab are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Arab - 61% - are primarily heated with electricity.
What's the biggest home insurance risk near Arab? FEMA's National Risk Index points to tornado (Relatively High) in Marshall County and Marshall County had 80 active NFIP flood policies as of September 2026. See the full Marshall 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 | $215,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Marshall County | 80 |
| 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)