Home Insurance in Oak Grove, Alabama
Homes in Oak Grove carry a median value of $165,900 - 11% higher than the Talladega County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oak Grove was built around 1996. About 15% of homes were built before 1960, about 6 points below Talladega County's 21%.
In Oak Grove, the housing stock is 80% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Oak Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oak Grove has an owner-occupancy rate of 74% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Oak Grove, 72% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Oak Grove? FEMA's National Risk Index points to tornado (Relatively High) in Talladega County and Talladega County had 353 active NFIP flood policies as of September 2026. See the full Talladega County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $165,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Talladega County | 353 |
| 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)