Home Insurance in Coker, Alabama
With a median home value of $200,700, Coker is 19% lower than the Tuscaloosa County median.
The typical home in Coker was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 14 points above Tuscaloosa County's 12%.
The housing stock in Coker is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Coker have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Coker are owner-occupied.
Most homes in Coker - 55% - 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 | $200,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)