Home insurance costs & natural hazards in Alabama
Plain facts for Alabama homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Alabama at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Alabama pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Alabama ZIP code saw homeowners premiums of $1,857 per policy in 2022, 20% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 3% between 2018 and 2022. The figures come from 544 Alabama ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 24,351 single-family NFIP policies took effect in Alabama in 2025, at an average full cost of $1,350, compared with $998 in 2022. About 70% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Alabama's 67 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, tornado and strong wind. Open any county for its full hazard profile.
Hazards across Alabama's counties
Alabama counties
All 67 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Autauga County | $1,769 | $1,268 | Relatively Low |
| Baldwin County | $2,281 | $1,453 | Relatively High |
| Barbour County | $1,850 | $1,745 | Relatively Low |
| Bibb County | $1,782 | $1,580 | Very Low |
| Blount County | $1,817 | $1,635 | Relatively Low |
| Bullock County | $2,154 | — | Very Low |
| Butler County | $1,752 | — | Relatively Low |
| Calhoun County | $1,698 | $1,131 | Relatively Moderate |
| Chambers County | $1,727 | $1,287 | Relatively Low |
| Cherokee County | $1,700 | $1,413 | Relatively Low |
| Chilton County | $1,769 | $1,560 | Relatively Low |
| Choctaw County | $1,860 | $1,370 | Relatively Low |
| Clarke County | $1,998 | $1,514 | Relatively Low |
| Clay County | $1,693 | — | Very Low |
| Cleburne County | $1,700 | — | Very Low |
| Coffee County | $1,863 | $1,027 | Relatively Moderate |
| Colbert County | $1,831 | $1,054 | Relatively Low |
| Conecuh County | $1,920 | — | Very Low |
| Coosa County | $1,648 | $1,716 | Very Low |
| Covington County | $1,952 | $1,639 | Relatively Moderate |
| Crenshaw County | $1,739 | — | Very Low |
| Cullman County | $1,843 | $1,389 | Relatively Moderate |
| Dale County | $1,850 | $1,008 | Relatively Low |
| Dallas County | $2,061 | $1,106 | Relatively Low |
| DeKalb County | $1,764 | $1,332 | Relatively Low |
| Elmore County | $1,722 | $1,368 | Relatively Low |
| Escambia County | $2,118 | $1,130 | Relatively Moderate |
| Etowah County | $1,772 | $1,359 | Relatively Moderate |
| Fayette County | $1,956 | $1,045 | Very Low |
| Franklin County | $1,795 | $1,187 | Relatively Low |
| Geneva County | $1,906 | $1,102 | Relatively Low |
| Greene County | $1,974 | $1,201 | Very Low |
| Hale County | $1,899 | $1,391 | Very Low |
| Henry County | $1,802 | $1,303 | Very Low |
| Houston County | $1,973 | $1,158 | Relatively Moderate |
| Jackson County | $1,845 | $1,258 | Relatively Low |
| Jefferson County | $1,925 | $1,329 | Relatively High |
| Lamar County | $1,787 | $951 | Very Low |
| Lauderdale County | $1,885 | $1,450 | Relatively Moderate |
| Lawrence County | $1,858 | $1,234 | Relatively Low |
| Lee County | $1,654 | $1,088 | Relatively Low |
| Limestone County | $1,912 | $1,119 | Relatively Low |
| Lowndes County | $1,982 | $1,244 | Very Low |
| Macon County | $1,952 | $833 | Very Low |
| Madison County | $1,952 | $1,141 | Relatively High |
| Marengo County | $1,793 | $1,140 | Relatively Low |
| Marion County | $1,793 | $1,865 | Relatively Low |
| Marshall County | $1,897 | $1,244 | Relatively Moderate |
| Mobile County | $2,097 | $1,454 | Relatively High |
| Monroe County | $2,090 | — | Relatively Low |
| Montgomery County | $1,989 | $1,059 | Relatively Moderate |
| Morgan County | $1,829 | $1,100 | Relatively Moderate |
| Perry County | $1,876 | — | Very Low |
| Pickens County | $1,745 | $1,398 | Relatively Low |
| Pike County | $1,691 | $1,451 | Relatively Low |
| Randolph County | $1,764 | $1,267 | Very Low |
| Russell County | $1,963 | $1,273 | Relatively Low |
| Shelby County | $1,847 | $1,375 | Relatively Moderate |
| St. Clair County | $1,770 | $1,178 | Relatively Low |
| Sumter County | $1,682 | $1,372 | Relatively Low |
| Talladega County | $1,775 | $1,297 | Relatively Moderate |
| Tallapoosa County | $1,892 | $1,537 | Relatively Low |
| Tuscaloosa County | $1,716 | $1,242 | Relatively Moderate |
| Walker County | $1,933 | $1,685 | Relatively Moderate |
| Washington County | $2,095 | $2,004 | Relatively Low |
| Wilcox County | $1,932 | $1,361 | Very Low |
| Winston County | $1,943 | $1,529 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Alabama homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.