Home Insurance in Randolph County, Alabama
With a median home value of $181,600, Randolph County is 13% lower than the Alabama median.
The typical home in Randolph County was built around 1986. About 16% of homes were built before 1960, in line with Alabama (16%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Randolph County is 69% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Randolph County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Randolph County has an owner-occupancy rate of 77% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Randolph County, 62% of homes 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.
FEMA's National Risk Index lists hurricane (Relatively Low), wildfire (Relatively Low) and tornado (Relatively Low) as the leading hazards for Randolph County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Randolph County has 15 active NFIP flood policies on file.
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 | $181,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 15 |
| 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)