Home Insurance in Camden, Alabama
The median home value in Camden is $132,300, 34% higher than the Wilcox County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Camden was built around 1976. About 9% of homes were built before 1960, about 6 points below Wilcox County's 15%.
In Camden, the housing stock is 80% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Camden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Camden has an owner-occupancy rate of 73% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Camden, 85% of homes are primarily heated with electricity.
Wilcox County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Wilcox County had 38 active NFIP flood policies as of September 2026. See the full Wilcox 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 | $132,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wilcox County | 38 |
| 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)