Home Insurance in Brookwood, Alabama
With a median home value of $188,300, Brookwood is 24% lower than the Tuscaloosa County median.
The typical home in Brookwood was built around 2002. About 8% of homes were built before 1960, about 4 points below Tuscaloosa County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Brookwood, the housing stock is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brookwood, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Brookwood are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Brookwood are primarily heated with electricity.
Tuscaloosa County had 633 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Tuscaloosa 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 | $188,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Tuscaloosa County | 633 |
| 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)