Home Insurance in Marion, Alabama
With a median home value of $108,700, Marion is 26% higher than the Perry County median.
The typical home in Marion was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 5 points above Perry County's 22%.
The housing stock in Marion is 51% single-family homes, 5% apartments in buildings with 5+ units and 13% 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 Marion, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marion has an owner-occupancy rate of 60% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Marion - 66% - are primarily heated with electricity.
Perry County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Perry County had 2 active NFIP flood policies as of September 2026. See the full Perry 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 | $108,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Perry County | 2 |
| 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)