Home Insurance in Mount Vernon, Alabama
Homes in Mount Vernon carry a median value of $111,900 - 41% lower than the Mobile County median.
The typical home in Mount Vernon was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 7 points above Mobile County's 19%.
The housing stock in Mount Vernon is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mount Vernon, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Mount Vernon are owner-occupied.
Most homes in Mount Vernon - 76% - are primarily heated with electricity.
What's the biggest home insurance risk near Mount Vernon? 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 | $111,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)