Home Insurance in Northport, Alabama
With a median home value of $282,600, Northport is 14% higher than the Tuscaloosa County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Northport was built around 1992. About 8% of homes were built before 1960, about 4 points below Tuscaloosa County's 12%.
Housing in Northport breaks down to 72% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 71% of owner-occupied homes in Northport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Northport has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Northport, 65% of homes 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.
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 | $282,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)