Home Insurance in Montgomery County, Alabama
The median home value in Montgomery County is $171,900, 18% lower than the Alabama median.
The typical home in Montgomery County was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 4 points above Alabama's 16%.
The housing stock in Montgomery County is 73% single-family homes, 18% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Montgomery County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Montgomery County has an owner-occupancy rate of 58% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
52% of homes in Montgomery County are primarily heated with electricity.
The top hazards for Montgomery County, per FEMA's National Risk Index, are tornado (Relatively High), strong wind (Relatively High) and inland flooding (Relatively High).
Montgomery County had 831 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $171,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 831 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)