Home Insurance in Creola, Alabama
With a median home value of $211,000, Creola is 11% higher 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 Creola was built around 1983. About 10% of homes were built before 1960, about 9 points below Mobile County's 19%.
In Creola, the housing stock is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Creola, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Creola are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Creola - 77% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $211,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)