Home Insurance in Bayou La Batre, Alabama
The median home value in Bayou La Batre is $87,800, 54% lower than the Mobile County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bayou La Batre was built around 1986. About 26% of homes were built before 1960, about 7 points above Mobile County's 19%.
The housing stock in Bayou La Batre is 87% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Bayou La Batre carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bayou La Batre has an owner-occupancy rate of 52% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Bayou La Batre - 88% - are primarily heated with electricity.
Mobile County had 6,546 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Mobile 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 | $87,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Mobile County | 6,546 |
| 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)