Home Insurance in Oak Hill, Alabama
The typical home in Oak Hill was built around 1995. About 8% of homes were built before 1960, about 7 points below Wilcox County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Oak Hill is 8% single-family homes and 92% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Oak Hill carry a mortgage.
The vacancy rate is 92%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Oak Hill are owner-occupied.
Most homes in Oak Hill - 100% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Oak Hill? FEMA's National Risk Index points to hurricane (Relatively Low) in Wilcox County and 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 year built | 1995 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)