Home Insurance in Coaling, Alabama
With a median home value of $228,000, Coaling is 8% lower than the Tuscaloosa County median.
The typical home in Coaling was built around 2000. About 4% of homes were built before 1960, about 8 points below Tuscaloosa County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coaling is 72% single-family homes and 28% mobile or manufactured homes.
About 67% of owner-occupied homes in Coaling have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Coaling are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Coaling are primarily heated with electricity.
Tuscaloosa County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Tuscaloosa County had 633 active NFIP flood policies as of September 2026. See the full Tuscaloosa County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $228,000 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)