Home Insurance in Monroeville, Alabama
With a median home value of $122,900, Monroeville is close to the Monroe County median.
The typical home in Monroeville was built around 1981. About 12% of homes were built before 1960, in line with Monroe County (12%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Monroeville, the housing stock is 64% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Monroeville, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Monroeville are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Monroeville are primarily heated with electricity.
What's the biggest home insurance risk near Monroeville? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Monroe County and 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.
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 | $122,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)