Home Insurance in Camp Hill, Alabama
Homes in Camp Hill carry a median value of $65,000 - 59% lower than the Tallapoosa County median.
The typical home in Camp Hill was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 18 points above Tallapoosa County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Camp Hill is 62% single-family homes and 26% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 15% of owner-occupied homes in Camp Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Camp Hill are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Camp Hill, 64% of homes are primarily heated with electricity.
Tallapoosa County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Tallapoosa County had 83 active NFIP flood policies as of September 2026. See the full Tallapoosa County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $65,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Tallapoosa County | 83 |
| 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)