Home Insurance in Pine Hill, Alabama
The median home value in Pine Hill is $92,300, 7% lower than the Wilcox County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pine Hill was built around 1985. About 16% of homes were built before 1960, about 1 point above Wilcox County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pine Hill is 41% single-family homes, 1% apartments in buildings with 5+ units and 41% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Pine Hill, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Pine Hill are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in Pine Hill are primarily heated with electricity.
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.
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 | $92,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)