Home Insurance in Cherokee Ridge, Alabama
Homes in Cherokee Ridge carry a median value of $336,400 - 67% higher than the Marshall 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 Cherokee Ridge was built around 1996. About 0% of homes were built before 1960, about 14 points below Marshall County's 14%.
The housing stock in Cherokee Ridge is 100% single-family homes.
About 72% of owner-occupied homes in Cherokee Ridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Cherokee Ridge are owner-occupied.
Most homes in Cherokee Ridge - 62% - are primarily heated with electricity.
What's the biggest home insurance risk near Cherokee Ridge? 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.
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 | $336,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)