Home Insurance in Mobile County, Alabama
With a median home value of $190,700, Mobile County is 9% lower than the Alabama median.
The typical home in Mobile County was built around 1980. About 19% of homes were built before 1960, about 3 points above Alabama's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mobile County is 75% single-family homes, 15% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 58% of owner-occupied homes in Mobile County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Mobile County are owner-occupied.
63% of homes in Mobile County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Very High), inland flooding (Relatively High) and tornado (Relatively High) as the leading hazards for Mobile County.
Mobile County had 6,546 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $190,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Inland Flooding (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 6,546 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bayou La Batre
- Chickasaw
- Citronelle
- Creola
- Dauphin Island
- Mobile
- Mount Vernon
- Prichard
- Saraland
- Satsuma
- Semmes
Sources
- 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)