Home Insurance in Mobile, Alabama
Homes in Mobile carry a median value of $193,300 - close to the Mobile County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mobile was built around 1975. About 26% of homes were built before 1960, about 6 points above Mobile County's 19%.
In Mobile, the housing stock is 69% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Mobile carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Mobile are owner-occupied.
Most homes in Mobile - 57% - are primarily heated with electricity.
What's the biggest home insurance risk near Mobile? FEMA's National Risk Index points to hurricane (Very High) in Mobile County and 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 | $193,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)