HomeInsuranceQts

Home Insurance in Tuscaloosa, Alabama

Homes in Tuscaloosa carry a median value of $255,500 - close to the Tuscaloosa County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tuscaloosa was built around 1988. About 15% of homes were built before 1960, about 3 points above Tuscaloosa County's 12%.

In Tuscaloosa, the housing stock is 52% single-family homes, 37% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In Tuscaloosa, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Tuscaloosa are owner-occupied.

In Tuscaloosa, 66% of homes are primarily heated with electricity.

FEMA rates Tuscaloosa County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.

In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).

Key figures

Median home value$255,500
Median year built1988
Owner-occupied share43%
Share of owner-occupied homes with a mortgage62%
Top county hazardTornado (Relatively High)
Active NFIP policies in Tuscaloosa County633
Home insurance premium$1,906 - statewide average (NAIC, 2023 data)
Key home insurance figures for Tuscaloosa, AL

Nearby towns

Sources

Data last updated: 2026-09-29