Home Insurance in Beatrice, Alabama
Homes in Beatrice carry a median value of $80,800 - 33% lower than the Monroe County median.
The typical home in Beatrice was built around 1994. About 12% of homes were built before 1960, in line with Monroe County (12%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Beatrice is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Beatrice have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Beatrice are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beatrice, 73% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Monroe County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Monroe County had 8 active NFIP flood policies as of September 2026. See the full Monroe 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 | $80,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Monroe County | 8 |
| 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)