Home Insurance in Hurtsboro, Alabama
Homes in Hurtsboro carry a median value of $138,000 - 17% lower than the Russell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hurtsboro was built around 1978. About 31% of homes were built before 1960, about 12 points above Russell County's 19%.
In Hurtsboro, the housing stock is 57% single-family homes, 11% apartments in buildings with 5+ units and 15% 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 Hurtsboro, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hurtsboro has an owner-occupancy rate of 62% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hurtsboro, 79% of homes are primarily heated with electricity.
Russell County had 70 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Russell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $138,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Russell County | 70 |
| 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)