Home Insurance in Jacksons' Gap, Alabama
The median home value in Jacksons' Gap is $114,100, 28% lower than the Tallapoosa County median.
The typical home in Jacksons' Gap was built around 1985. About 15% of homes were built before 1960, about 1 point below Tallapoosa County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jacksons' Gap is 69% single-family homes, 2% apartments in buildings with 5+ units and 27% mobile or manufactured homes.
In Jacksons' Gap, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jacksons' Gap has an owner-occupancy rate of 78% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
78% of homes in Jacksons' Gap 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 rates Tallapoosa County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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 | $114,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)