Home Insurance in Pike County, Alabama
With a median home value of $157,600, Pike County is 25% lower than the Alabama median.
The typical home in Pike County was built around 1986. About 16% of homes were built before 1960, in line with Alabama (16%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pike County is 59% single-family homes, 8% apartments in buildings with 5+ units and 22% 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.
51% of owner-occupied homes in Pike County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Pike County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pike County - 79% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Low) and earthquake (Very Low) as the leading hazards for Pike County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pike County has 13 active NFIP flood policies on file.
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 | $157,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 13 |
| 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)