Home Insurance in Epes, Alabama
The median home value in Epes is $56,700, 31% lower than the Sumter County median.
The typical home in Epes was built around 1991. About 3% of homes were built before 1960, about 13 points below Sumter County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Epes is 24% single-family homes, 3% apartments in buildings with 5+ units and 73% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
7% of owner-occupied homes in Epes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Epes are owner-occupied.
In Epes, 67% 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.
Sumter County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Sumter County had 38 active NFIP flood policies as of September 2026. See the full Sumter 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 | $56,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Sumter County | 38 |
| 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)