Home Insurance in Wilcox County, Alabama
With a median home value of $98,800, Wilcox County is 53% lower than the Alabama median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wilcox County was built around 1985. About 15% of homes were built before 1960, about 1 point below Alabama's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wilcox County is 59% single-family homes and 36% mobile or manufactured homes.
30% of owner-occupied homes in Wilcox County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wilcox County has an owner-occupancy rate of 77% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Wilcox County - 68% - are primarily heated with electricity.
Per FEMA's National Risk Index, Wilcox County's top hazards are hurricane (Relatively Low), tornado (Relatively Low) and inland flooding (Relatively Low).
Wilcox County had 38 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $98,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 38 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)