Home Insurance in Pine Apple, Alabama
The typical home in Pine Apple was built around 1948. About 64% of homes were built before 1960, about 49 points above Wilcox County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pine Apple is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pine Apple, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pine Apple has an owner-occupancy rate of 67% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
43% of homes in Pine Apple are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Wilcox County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median year built | 1948 |
|---|---|
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)