Home Insurance in Sumter County, Alabama
With a median home value of $82,600, Sumter County is 61% lower than the Alabama median.
The typical home in Sumter County was built around 1979. 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.
In Sumter County, the housing stock is 59% single-family homes, 4% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Sumter County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sumter County has an owner-occupancy rate of 67% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Sumter County - 71% - 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 tornado (Relatively Moderate), hurricane (Relatively Low) and earthquake (Relatively Low) as the leading hazards for Sumter 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, Sumter County has 38 active NFIP flood policies on file.
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 | $82,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 38 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Cuba
- Median home value: $197,900
- Median year built: 1973
- Owner-occupied share: 79%
-
Emelle
- Median home value: $73,300
- Median year built: 1995
- Owner-occupied share: 85%
-
Geiger
- Median year built: 1988
- Owner-occupied share: 90%
- Share of owner-occupied homes with a mortgage: 9%
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)