Home Insurance in Goshen, Alabama
With a median home value of $118,200, Goshen is 25% lower than the Pike County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Goshen was built around 1974. About 29% of homes were built before 1960, about 13 points above Pike County's 16%.
In Goshen, the housing stock is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Goshen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Goshen are owner-occupied.
Most homes in Goshen - 87% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pike County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Pike County had 13 active NFIP flood policies as of September 2026. See the full Pike County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $118,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Pike County | 13 |
| 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)