HomeInsuranceQts

Home Insurance in Chickasaw, Alabama

With a median home value of $117,500, Chickasaw is 38% lower than the Mobile 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 Chickasaw was built around 1963. About 39% of homes were built before 1960, about 20 points above Mobile County's 19%.

In Chickasaw, the housing stock is 78% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In Chickasaw, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 53% of occupied homes in Chickasaw are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

60% of homes in Chickasaw are primarily heated with electricity.

FEMA rates Mobile County's overall risk as Relatively High, led by hurricane (Very High). Mobile County had 6,546 active NFIP flood policies as of September 2026. See the full Mobile 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$117,500
Median year built1963
Owner-occupied share53%
Share of owner-occupied homes with a mortgage52%
Top county hazardHurricane (Very High)
Active NFIP policies in Mobile County6,546
Home insurance premium$1,906 - statewide average (NAIC, 2023 data)
Key home insurance figures for Chickasaw, AL

Nearby towns

Sources

Data last updated: 2026-09-29