Home Insurance in Carrollton, Alabama
Homes in Carrollton carry a median value of $145,800 - 18% higher than the Pickens County median.
The typical home in Carrollton was built around 1974. About 29% of homes were built before 1960, about 12 points above Pickens County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carrollton is 60% single-family homes, 14% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Carrollton, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Carrollton are owner-occupied.
66% of homes in Carrollton are primarily heated with electricity.
What's the biggest home insurance risk near Carrollton? FEMA's National Risk Index points to earthquake (Relatively Low) in Pickens County and Pickens County had 71 active NFIP flood policies as of September 2026. See the full Pickens County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $145,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Pickens County | 71 |
| 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)