Home Insurance in Winston County, Alabama
Homes in Winston County carry a median value of $118,900 - 43% lower than the Alabama median.
The typical home in Winston County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 5 points below Alabama's 16%.
The housing stock in Winston County is 63% single-family homes, 2% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Winston County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Winston County has an owner-occupancy rate of 76% 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. 66% of homes in Winston County are primarily heated with electricity.
The top hazards for Winston County, per FEMA's National Risk Index, are earthquake (Relatively Low), tornado (Relatively Moderate) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Winston County has 31 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $118,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 31 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Addison
- Median home value: $110,600
- Median year built: 1989
- Owner-occupied share: 71%
-
Double Springs
- Median home value: $153,500
- Median year built: 1977
- Owner-occupied share: 63%
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)