Alabama Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 544 ZIP codes in Alabama (AL).

The verdict

According to U.S. Treasury FIO filings, Alabama ranks #17 of 51 by average premium ($1,931/yr) ≠ #39 of 50 by nonrenewal (0.85%). Cost rank is not withdrawal rank.

$1,931
State avg premium (#17 of 51): #39
Nonrenewal of 50 (0.85%): 36528
In-state premium ZIP #1 ($8,482): 36617
In-state nonrenewal ZIP #1 (2.21%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Alabama vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,931 Around the middle lower premium than 31% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2022

Source: U.S. Department of the Treasury, Federal Insurance Office, "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Each state figure on this page is the 2022 average across the state's ZIP codes, counting every ZIP once; the change figures compare 2018 with 2022. See methodology for how the state rank and national comparison are calculated.

How Alabama Compares

Premium vs National

9% above

$1,931 vs the national $1,776 per year

Premium Change

+1.8%

2018-2022 change, 41st of 51 states on growth

Avg Loss Ratio (2022)

44.3%

Claims paid vs premiums earned

National 58.0%: insurers retain more margin here

Nonrenewal Change

-13.7%

2018-2022 change in the share of policies insurers decline to renew

Data Snapshot: Alabama Homeowners Insurance

The Alabama figures above are a plain mean of ZIP-level averages for 2022, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Alabama homeowner pays, gives $2,063 per year.

Nonrenewal, the share of policies insurers decline to extend at expiration, is averaged across the Alabama ZIP codes that report one (92% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so that average is likely conservative).

Within Alabama, premium dispersion across ZIP codes is substantial: the most expensive ZIP (36528 in Dauphin Island) charges 489% more than the least expensive (36832 in Auburn), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Alabama

Alabama statewide - FIO 2022, mean of ZIP codes: 44% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

544

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,897	$1,810	47.3%	6.25%	0.99%
2019	$1,903 (+0.3%)	$1,812	39.5%	4.83%	0.73%
2020	$1,929 (+1.4%)	$1,828	60.2%	9.47%	0.53%
2021	$1,965 (+1.8%)	$1,864	52.4%	5.92%	0.78%
2022	$1,931 (-1.7%)	$1,857	44.3%	4.82%	0.85%

Average homeowners premium per year in Alabama.

Most Expensive ZIP Codes in Alabama

Most Affordable ZIP Codes in Alabama

All ZIP Codes in Alabama

544 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
36528	Dauphin Island	$8,482	47.5%	1.90%	N/A
36561	Orange Beach	$5,305	64.0%	3.22%	0.21%
36559	Montrose	$4,660	99.6%	7.41%	N/A
36523	Coden	$4,420	1.1%	0.53%	2.11%
36542	Gulf Shores	$3,580	13.3%	2.16%	0.17%
35223	Birmingham	$3,577	35.4%	6.40%	0.63%
35213	Birmingham	$3,348	39.1%	6.00%	0.57%
36555	Magnolia Springs	$3,205	20.4%	2.91%	0.49%
36532	Fairhope	$2,945	19.6%	2.43%	0.31%
36604	Mobile	$2,917	36.0%	3.12%	1.52%
36607	Mobile	$2,856	22.1%	2.68%	1.92%
36549	Lillian	$2,677	15.4%	2.21%	0.38%
35741	Brownsboro	$2,659	21.5%	5.04%	1.34%
35406	Tuscaloosa	$2,654	44.4%	5.28%	0.54%
36602	Mobile	$2,648	1.1%	N/A	2.38%
36608	Mobile	$2,628	26.9%	3.37%	0.81%
36530	Elberta	$2,611	23.6%	2.05%	0.23%
35243	Birmingham	$2,588	41.0%	5.64%	0.68%
35242	Birmingham	$2,552	64.9%	6.77%	0.45%
36574	Seminole	$2,522	12.7%	1.46%	0.49%
35541	Arley	$2,504	68.6%	4.32%	0.34%
36029	Fitzpatrick	$2,483	14.0%	1.44%	1.44%
36052	Mathews	$2,478	7.7%	4.79%	0.60%
36111	Montgomery	$2,474	45.6%	8.64%	1.49%
36526	Daphne	$2,448	15.9%	2.70%	0.23%
36527	Daphne	$2,427	20.4%	2.39%	0.28%
35801	Huntsville	$2,389	34.2%	4.87%	0.83%
36693	Mobile	$2,380	23.4%	2.57%	0.75%
36013	Cecil	$2,337	13.3%	2.20%	N/A
36583	Tibbie	$2,316	30.6%	4.17%	N/A
35053	Crane Hill	$2,316	48.8%	3.90%	0.79%
36775	Sardis	$2,304	14.5%	6.15%	1.54%
36606	Mobile	$2,298	36.5%	3.31%	1.59%
35802	Huntsville	$2,297	35.6%	6.24%	0.50%
35504	Jasper	$2,291	26.9%	3.71%	0.48%
36695	Mobile	$2,284	23.3%	2.69%	0.63%
35572	Houston	$2,261	13.8%	2.31%	0.29%
36425	Beatrice	$2,256	37.6%	11.39%	N/A
36605	Mobile	$2,254	23.1%	3.42%	1.41%
36460	Monroeville	$2,248	34.8%	4.30%	1.87%
35501	Jasper	$2,246	28.6%	3.96%	0.74%
36582	Theodore	$2,244	33.1%	2.94%	0.53%
36619	Mobile	$2,231	18.9%	2.27%	0.48%
35748	Gurley	$2,228	53.8%	5.12%	0.78%
36043	Hope Hull	$2,219	21.6%	7.01%	0.80%
35758	Madison	$2,219	46.2%	7.94%	0.34%
35033	Bremen	$2,215	18.0%	3.63%	0.25%
36104	Montgomery	$2,214	21.1%	5.18%	1.18%
36856	Fort Mitchell	$2,200	46.6%	10.00%	0.31%
36609	Mobile	$2,195	23.7%	2.74%	0.88%
35244	Birmingham	$2,181	38.8%	5.64%	0.42%
35216	Birmingham	$2,180	38.6%	6.55%	0.54%
36024	Eclectic	$2,173	55.8%	4.04%	0.44%
35763	Owens Cross Roads	$2,161	100.8%	15.87%	0.29%
36106	Montgomery	$2,161	25.8%	6.57%	0.85%
36502	Atmore	$2,160	38.6%	5.55%	1.45%
35209	Birmingham	$2,154	31.3%	5.17%	0.56%
35010	Alexander City	$2,153	38.0%	4.29%	0.69%
35976	Guntersville	$2,153	70.5%	5.62%	1.01%
36553	Mc Intosh	$2,151	30.9%	6.69%	0.67%
36064	Pike Road	$2,150	48.0%	5.53%	0.75%
36541	Grand Bay	$2,149	25.5%	1.96%	1.23%
36305	Dothan	$2,148	26.1%	4.33%	0.55%
36442	Florala	$2,145	53.2%	2.83%	0.94%
35127	Pleasant Grove	$2,144	41.7%	6.86%	0.79%
36544	Irvington	$2,138	26.8%	2.26%	0.67%
36580	Summerdale	$2,135	36.2%	2.47%	0.11%
36767	Orrville	$2,134	2.1%	N/A	0.60%
36370	Pansey	$2,131	353.0%	4.26%	N/A
36535	Foley	$2,130	17.5%	2.07%	0.21%
36518	Chatom	$2,127	40.0%	3.61%	1.55%
36426	Brewton	$2,118	42.8%	6.27%	1.26%
36584	Vinegar Bend	$2,118	9.2%	1.47%	N/A
36303	Dothan	$2,109	36.8%	4.62%	0.72%
36521	Chunchula	$2,109	24.9%	2.51%	0.30%
36075	Shorter	$2,104	13.8%	6.79%	1.23%
36761	Minter	$2,103	8.4%	1.90%	N/A
35222	Birmingham	$2,103	29.5%	4.88%	0.73%
36471	Peterman	$2,102	171.6%	2.86%	0.95%
36401	Evergreen	$2,100	15.3%	3.54%	0.83%
36278	Wedowee	$2,093	13.9%	2.40%	0.92%
35585	Spruce Pine	$2,092	56.1%	4.72%	1.18%
36505	Axis	$2,086	12.3%	3.13%	0.89%
36319	Columbia	$2,084	26.8%	3.46%	0.38%
36511	Bon Secour	$2,084	1.7%	1.59%	N/A
36445	Frisco City	$2,079	16.8%	5.47%	1.31%
35755	Langston	$2,075	61.0%	7.52%	1.33%
35901	Gadsden	$2,075	45.5%	6.36%	1.08%
36522	Citronelle	$2,074	50.7%	2.72%	0.91%
35205	Birmingham	$2,073	46.7%	6.21%	1.07%
36585	Wagarville	$2,072	48.0%	5.56%	0.79%
35226	Birmingham	$2,070	42.2%	6.60%	0.58%
36875	Seale	$2,065	10.9%	4.12%	0.76%
36860	Hurtsboro	$2,064	3.9%	3.52%	N/A
36509	Bayou La Batre	$2,061	19.9%	5.71%	1.43%
36785	Tyler	$2,061	6.0%	3.00%	2.00%
36617	Mobile	$2,061	37.7%	3.71%	2.21%
36603	Mobile	$2,058	32.8%	5.73%	1.19%
36587	Wilmer	$2,057	53.9%	3.52%	0.55%
36545	Jackson	$2,057	54.3%	9.29%	1.17%
35769	Scottsboro	$2,056	39.2%	4.52%	0.51%
35035	Brierfield	$2,056	57.3%	8.52%	0.57%
36026	Equality	$2,056	39.3%	3.58%	0.54%
36916	Pennington	$2,055	11.0%	2.67%	N/A
35064	Fairfield	$2,049	38.9%	7.39%	1.03%
35208	Birmingham	$2,049	61.7%	9.53%	1.25%
35806	Huntsville	$2,049	46.4%	6.62%	0.50%
36769	Pine Hill	$2,049	88.5%	6.72%	0.40%
35984	Mentone	$2,035	23.6%	2.62%	1.08%
36376	Webb	$2,034	22.8%	3.16%	1.19%
36576	Silverhill	$2,033	20.1%	1.61%	0.32%
36613	Eight Mile	$2,032	23.7%	2.86%	1.08%
35594	Winfield	$2,023	18.6%	4.81%	0.50%
36421	Andalusia	$2,020	19.6%	2.14%	0.54%
36759	Marion Junction	$2,019	24.0%	4.42%	N/A
35462	Eutaw	$2,018	79.4%	8.82%	0.52%
35634	Florence	$2,018	33.3%	4.75%	0.15%
35054	Cropwell	$2,018	24.8%	4.21%	0.35%
35749	Harvest	$2,016	32.0%	6.30%	0.46%
35147	Sterrett	$2,015	48.9%	5.93%	0.40%
36784	Thomasville	$2,014	66.3%	4.74%	0.47%
35563	Guin	$2,013	80.6%	6.68%	0.39%
35618	Courtland	$2,013	9.0%	3.02%	N/A
35228	Birmingham	$2,012	50.8%	9.29%	1.73%
35218	Birmingham	$2,011	34.2%	9.42%	1.93%
36441	Flomaton	$2,011	5.3%	2.47%	0.41%
35175	Union Grove	$2,006	54.5%	4.84%	1.18%
36069	Ramer	$2,005	38.1%	4.04%	0.74%
35214	Birmingham	$2,005	36.1%	8.25%	1.21%
36853	Dadeville	$2,003	25.3%	2.87%	0.55%
36752	Lowndesboro	$2,002	57.0%	6.51%	0.77%
36618	Mobile	$2,002	38.2%	3.58%	0.92%
35234	Birmingham	$2,000	20.2%	5.52%	N/A
35503	Jasper	$1,999	16.5%	3.33%	0.21%
35553	Double Springs	$1,998	51.2%	3.54%	0.63%
36451	Grove Hill	$1,998	72.0%	8.66%	2.04%
36330	Enterprise	$1,997	26.4%	5.81%	0.69%
35645	Killen	$1,996	26.5%	4.63%	0.47%
35051	Columbiana	$1,994	83.2%	5.95%	0.41%
36579	Stockton	$1,994	128.4%	2.61%	0.37%
36340	Geneva	$1,993	54.4%	5.54%	1.01%
36567	Robertsdale	$1,993	27.8%	2.11%	0.39%
36560	Mount Vernon	$1,990	66.1%	7.20%	0.53%
36105	Montgomery	$1,989	27.3%	7.07%	2.17%
35441	Akron	$1,985	260.0%	16.22%	N/A
35747	Grant	$1,981	28.5%	3.69%	0.50%
36507	Bay Minette	$1,980	19.9%	2.44%	0.57%
35014	Alpine	$1,978	36.0%	3.88%	0.48%
36088	Tuskegee Institute	$1,978	38.9%	8.04%	1.01%
36312	Ashford	$1,977	13.6%	3.13%	0.72%
36611	Mobile	$1,975	15.0%	1.98%	1.82%
35443	Boligee	$1,974	103.1%	7.57%	2.16%
36420	Andalusia	$1,974	43.2%	3.06%	0.45%
35757	Madison	$1,970	29.0%	5.95%	0.75%
35989	Valley Head	$1,970	16.1%	3.66%	0.92%
35215	Birmingham	$1,969	51.5%	7.72%	1.01%
36352	Newton	$1,968	20.6%	3.50%	0.52%
36477	Samson	$1,967	30.0%	3.53%	0.94%
35671	Tanner	$1,967	26.9%	5.69%	1.78%
36316	Chancellor	$1,967	19.6%	4.76%	1.98%
36548	Leroy	$1,966	111.9%	8.45%	0.47%
35610	Anderson	$1,966	26.4%	5.54%	0.65%
35549	Carbon Hill	$1,966	42.1%	2.33%	0.78%
36726	Camden	$1,965	77.0%	6.29%	0.92%
36551	Loxley	$1,965	25.9%	2.68%	0.46%
35761	New Market	$1,963	30.1%	5.36%	0.63%
36871	Pittsview	$1,963	21.4%	3.60%	0.72%
36575	Semmes	$1,963	32.4%	2.29%	0.51%
36047	Letohatchee	$1,962	3.8%	2.00%	N/A
36432	Castleberry	$1,961	14.5%	4.65%	0.66%
35022	Bessemer	$1,959	50.1%	7.11%	0.85%
35542	Bankston	$1,956	279.8%	4.43%	2.53%
35672	Town Creek	$1,954	23.2%	3.84%	0.79%
35616	Cherokee	$1,952	58.9%	4.54%	0.52%
36558	Millry	$1,950	21.0%	5.38%	1.28%
35057	Cullman	$1,949	47.1%	4.57%	0.80%
36701	Selma	$1,948	50.0%	6.34%	1.40%
36569	Saint Stephens	$1,945	27.6%	5.37%	0.67%
35613	Athens	$1,945	38.7%	5.15%	0.69%
36578	Stapleton	$1,943	12.4%	2.69%	0.34%
35020	Bessemer	$1,943	66.3%	8.12%	1.00%
35578	Nauvoo	$1,943	62.8%	5.05%	0.84%
35824	Huntsville	$1,942	27.5%	4.59%	0.25%
35217	Birmingham	$1,941	76.0%	8.55%	1.99%
36744	Greensboro	$1,941	18.8%	4.22%	1.15%
35958	Bryant	$1,941	31.0%	4.57%	0.30%
35756	Madison	$1,938	47.0%	6.79%	0.52%
35224	Birmingham	$1,937	133.3%	10.58%	2.72%
36207	Anniston	$1,936	38.4%	6.44%	0.78%
35130	Quinton	$1,936	50.4%	3.04%	1.97%
35206	Birmingham	$1,934	89.0%	8.30%	1.33%
35133	Remlap	$1,934	43.6%	3.22%	0.62%
35186	Wilsonville	$1,933	89.6%	4.36%	0.45%
35580	Parrish	$1,933	133.5%	3.67%	0.46%
35061	Dolomite	$1,933	54.4%	13.19%	1.10%
36467	Opp	$1,930	14.9%	3.73%	0.59%
36117	Montgomery	$1,929	42.8%	6.83%	0.71%
36083	Tuskegee	$1,927	23.7%	5.35%	1.10%
35005	Adamsville	$1,925	63.0%	5.63%	1.32%
36610	Mobile	$1,923	11.0%	3.64%	2.83%
35173	Trussville	$1,922	29.5%	4.13%	0.56%
36742	Gallion	$1,922	83.8%	5.08%	0.32%
35652	Rogersville	$1,920	43.1%	4.43%	0.98%
35739	Ardmore	$1,919	29.4%	4.66%	0.55%
36360	Ozark	$1,919	19.9%	3.90%	0.77%
35811	Huntsville	$1,917	34.2%	6.35%	0.73%
36345	Headland	$1,915	24.6%	4.18%	0.88%
35966	Flat Rock	$1,914	10.6%	3.09%	0.52%
35098	Logan	$1,914	68.9%	4.30%	0.78%
35111	Mc Calla	$1,914	49.5%	6.44%	0.44%
36093	Wetumpka	$1,913	117.6%	17.24%	0.45%
36572	Satsuma	$1,912	13.5%	2.61%	0.22%
36908	Gilbertown	$1,912	205.5%	11.00%	1.91%
35646	Leighton	$1,910	60.1%	7.96%	0.80%
36758	Plantersville	$1,909	10.7%	3.77%	0.94%
36525	Creola	$1,908	43.7%	1.68%	1.34%
36318	Coffee Springs	$1,906	17.7%	5.44%	0.68%
35554	Eldridge	$1,906	7.1%	3.10%	0.78%
35603	Decatur	$1,905	47.9%	6.83%	0.57%
35647	Lester	$1,905	25.8%	4.30%	0.54%
35078	Harpersville	$1,905	231.5%	5.38%	1.47%
36274	Roanoke	$1,901	29.5%	4.16%	0.42%
36350	Midland City	$1,900	23.8%	4.28%	0.61%
36768	Pine Apple	$1,899	65.8%	4.67%	N/A
35016	Arab	$1,897	32.7%	4.21%	0.68%
35754	Laceys Spring	$1,897	93.9%	4.16%	0.91%
36756	Marion	$1,895	79.4%	9.07%	2.02%
35579	Oakman	$1,895	46.4%	2.51%	0.28%
35118	Mulga	$1,894	44.7%	6.46%	0.70%
35160	Talladega	$1,893	34.1%	5.03%	1.09%
36861	Jacksons Gap	$1,892	13.0%	2.00%	0.29%
36080	Titus	$1,891	21.8%	4.46%	0.56%
35673	Trinity	$1,890	43.0%	5.36%	0.52%
35740	Bridgeport	$1,889	10.6%	3.87%	1.29%
35550	Cordova	$1,889	31.9%	3.27%	1.14%
35128	Pell City	$1,889	28.0%	3.33%	0.55%
36444	Franklin	$1,888	9.7%	2.70%	1.35%
36016	Clayton	$1,888	34.4%	2.15%	0.43%
35587	Townley	$1,888	28.1%	2.04%	N/A
35540	Addison	$1,887	4.8%	1.82%	0.36%
36480	Uriah	$1,886	17.5%	2.98%	0.60%
35803	Huntsville	$1,884	46.8%	6.62%	0.61%
35773	Toney	$1,884	36.7%	7.61%	0.65%
36116	Montgomery	$1,882	49.7%	8.34%	1.31%
35058	Cullman	$1,882	26.4%	5.10%	0.86%
36783	Thomaston	$1,880	458.5%	8.18%	1.82%
35049	Cleveland	$1,880	143.4%	5.19%	0.72%
36475	Repton	$1,878	49.3%	3.55%	0.51%
35235	Birmingham	$1,877	73.7%	7.88%	0.85%
35601	Decatur	$1,876	41.0%	7.64%	1.04%
35062	Dora	$1,876	91.2%	4.31%	0.91%
35207	Birmingham	$1,875	56.2%	5.35%	1.78%
36027	Eufaula	$1,873	38.1%	6.06%	0.66%
35221	Birmingham	$1,873	36.1%	7.44%	1.21%
35121	Oneonta	$1,870	32.9%	4.18%	0.71%
35204	Birmingham	$1,867	58.4%	7.74%	1.60%
36344	Hartford	$1,867	36.5%	4.48%	0.48%
36703	Selma	$1,866	54.7%	6.19%	1.37%
35148	Sumiton	$1,866	16.4%	2.75%	0.50%
36323	Elba	$1,863	50.7%	5.70%	0.37%
35126	Pinson	$1,863	32.4%	5.38%	0.71%
35586	Sulligent	$1,863	32.3%	6.89%	N/A
36351	New Brockton	$1,863	120.4%	3.85%	N/A
36904	Butler	$1,862	31.3%	6.09%	1.58%
36612	Mobile	$1,862	114.1%	2.00%	2.00%
35124	Pelham	$1,861	43.6%	7.38%	0.55%
35951	Albertville	$1,860	73.9%	6.91%	0.92%
35043	Chelsea	$1,859	42.1%	6.07%	0.42%
35650	Moulton	$1,858	16.3%	4.36%	0.51%
36912	Lisman	$1,858	33.7%	4.86%	1.08%
36776	Sawyerville	$1,857	147.0%	14.39%	0.76%
35764	Paint Rock	$1,857	21.4%	6.76%	N/A
35570	Hamilton	$1,857	36.0%	5.52%	1.23%
36786	Uniontown	$1,857	20.4%	6.25%	1.25%
35772	Stevenson	$1,856	6.7%	2.62%	0.40%
35653	Russellville	$1,852	49.3%	3.45%	0.74%
36343	Gordon	$1,852	16.4%	6.49%	0.65%
36375	Slocomb	$1,852	22.6%	3.62%	0.70%
35475	Northport	$1,850	35.3%	4.01%	0.38%
36322	Daleville	$1,850	26.9%	4.87%	1.28%
36048	Louisville	$1,850	15.0%	3.37%	3.37%
35648	Lexington	$1,849	29.5%	4.47%	0.33%
35750	Hazel Green	$1,846	48.4%	7.95%	0.57%
35771	Section	$1,845	51.3%	3.20%	1.60%
36571	Saraland	$1,844	18.5%	1.77%	0.51%
35179	Vinemont	$1,843	24.0%	5.19%	0.59%
36919	Silas	$1,843	12.4%	5.60%	N/A
35087	Joppa	$1,841	62.9%	3.26%	0.59%
35611	Athens	$1,840	37.7%	5.27%	0.77%
35759	Meridianville	$1,840	33.3%	5.14%	0.64%
36091	Verbena	$1,839	41.5%	4.95%	0.88%
36453	Kinston	$1,839	8.2%	3.92%	0.39%
35555	Fayette	$1,838	28.3%	3.15%	0.58%
35042	Centreville	$1,837	38.8%	5.67%	0.42%
36474	Red Level	$1,836	16.6%	2.85%	0.52%
35810	Huntsville	$1,836	57.3%	9.47%	0.75%
35178	Vincent	$1,835	14.8%	3.65%	0.46%
35212	Birmingham	$1,834	48.2%	4.79%	0.77%
36268	Munford	$1,834	12.7%	2.98%	0.89%
36028	Dozier	$1,834	26.8%	2.99%	0.43%
36301	Dothan	$1,833	22.3%	3.88%	0.82%
35565	Haleyville	$1,833	26.8%	3.10%	0.93%
36855	Five Points	$1,832	66.6%	2.98%	1.28%
36320	Cottonwood	$1,831	8.3%	2.84%	0.77%
35661	Muscle Shoals	$1,831	31.5%	6.43%	0.53%
35023	Bessemer	$1,830	45.7%	6.68%	0.79%
36003	Autaugaville	$1,830	80.3%	4.98%	0.45%
35670	Somerville	$1,830	39.6%	4.32%	1.00%
36830	Auburn	$1,829	29.9%	3.95%	0.54%
35640	Hartselle	$1,828	42.4%	5.32%	0.66%
35752	Hollywood	$1,828	66.6%	5.60%	0.37%
35979	Higdon	$1,825	154.0%	6.87%	0.76%
35575	Lynn	$1,824	20.0%	2.31%	0.77%
36089	Union Springs	$1,824	61.3%	3.16%	1.40%
35776	Woodville	$1,824	9.2%	1.86%	1.24%
36879	Waverly	$1,824	22.3%	4.05%	0.34%
35083	Holly Pond	$1,823	25.4%	3.34%	0.63%
35188	Woodstock	$1,823	116.7%	3.87%	0.65%
35135	Riverside	$1,822	47.0%	3.43%	0.53%
36732	Demopolis	$1,819	17.6%	4.14%	0.58%
36524	Coffeeville	$1,819	46.2%	7.59%	0.69%
35988	Sylvania	$1,818	22.7%	5.16%	0.47%
35401	Tuscaloosa	$1,818	30.4%	4.73%	1.21%
35031	Blountsville	$1,817	35.9%	4.34%	0.38%
35654	Russellville	$1,817	14.1%	3.10%	0.95%
35463	Fosters	$1,817	5.9%	2.56%	0.85%
35544	Beaverton	$1,817	8.6%	3.92%	1.96%
35474	Moundville	$1,814	95.0%	11.92%	0.08%
35543	Bear Creek	$1,814	5.2%	1.00%	1.00%
35905	Gadsden	$1,813	47.1%	5.63%	0.80%
36311	Ariton	$1,813	57.0%	4.33%	0.67%
35643	Hillsboro	$1,812	82.5%	3.94%	0.70%
35210	Birmingham	$1,812	22.0%	4.28%	0.72%
35906	Rainbow City	$1,812	69.7%	6.34%	0.70%
35114	Alabaster	$1,811	41.6%	6.92%	1.05%
35094	Leeds	$1,809	60.0%	6.83%	0.57%
35621	Eva	$1,809	26.8%	4.56%	0.62%
35480	Ralph	$1,808	62.3%	3.97%	0.66%
36009	Brantley	$1,807	5.6%	1.77%	0.71%
35546	Berry	$1,806	47.3%	5.41%	1.18%
35055	Cullman	$1,806	20.3%	3.30%	0.74%
35953	Ashville	$1,803	101.2%	6.47%	0.47%
36310	Abbeville	$1,802	29.6%	3.38%	0.61%
35077	Hanceville	$1,802	44.1%	4.29%	0.42%
35211	Birmingham	$1,802	49.7%	8.56%	0.98%
36051	Marbury	$1,802	153.3%	4.65%	0.33%
35674	Tuscumbia	$1,800	40.3%	5.42%	0.46%
36353	Newville	$1,798	18.1%	4.95%	0.45%
35760	New Hope	$1,797	25.4%	4.68%	0.67%
36314	Black	$1,795	30.7%	3.08%	N/A
35079	Hayden	$1,795	66.4%	5.93%	0.62%
35581	Phil Campbell	$1,795	35.1%	4.72%	0.54%
35660	Sheffield	$1,795	31.9%	6.06%	0.64%
35046	Clanton	$1,792	134.8%	4.34%	1.09%
35768	Scottsboro	$1,791	19.7%	3.42%	0.34%
36033	Georgiana	$1,791	12.6%	2.77%	0.64%
36862	Lafayette	$1,790	41.5%	4.19%	1.16%
36482	Whatley	$1,789	71.8%	8.43%	1.20%
35971	Fyffe	$1,789	24.5%	3.25%	0.18%
35592	Vernon	$1,787	45.9%	7.40%	1.10%
35019	Baileyton	$1,787	15.6%	3.28%	0.55%
35633	Florence	$1,787	49.2%	6.42%	0.36%
35907	Gadsden	$1,786	45.2%	5.33%	0.59%
36053	Midway	$1,786	19.4%	6.21%	1.24%
35983	Leesburg	$1,785	118.9%	4.24%	0.93%
35950	Albertville	$1,784	21.5%	4.49%	0.66%
35180	Warrior	$1,784	47.3%	5.78%	0.53%
36858	Hatchechubbee	$1,782	4.1%	2.70%	N/A
35034	Brent	$1,782	66.9%	5.00%	0.94%
36374	Skipperville	$1,782	6.1%	2.90%	1.45%
35146	Springville	$1,782	45.8%	5.40%	0.25%
35974	Geraldine	$1,780	10.9%	2.62%	1.57%
35063	Empire	$1,780	53.7%	3.78%	0.63%
35620	Elkmont	$1,779	12.6%	3.27%	0.64%
35136	Rockford	$1,779	28.3%	6.02%	0.52%
35967	Fort Payne	$1,778	42.9%	3.01%	1.19%
36032	Fort Deposit	$1,778	19.9%	5.12%	0.47%
35096	Lincoln	$1,775	31.3%	5.47%	0.63%
35044	Childersburg	$1,774	33.2%	5.50%	0.70%
35619	Danville	$1,774	23.6%	2.95%	0.25%
35952	Altoona	$1,774	14.7%	2.61%	0.60%
35442	Aliceville	$1,773	326.4%	5.12%	2.15%
35552	Detroit	$1,772	105.0%	15.56%	2.22%
36720	Alberta	$1,772	83.7%	7.14%	N/A
36271	Ohatchee	$1,771	71.8%	3.71%	0.24%
35630	Florence	$1,770	24.1%	4.04%	0.60%
35972	Gallant	$1,770	106.5%	5.03%	1.51%
35131	Ragland	$1,770	64.0%	2.11%	0.35%
35765	Pisgah	$1,769	10.6%	2.86%	1.54%
36067	Prattville	$1,769	44.0%	5.01%	0.70%
35171	Thorsby	$1,769	42.0%	4.14%	0.20%
35405	Tuscaloosa	$1,767	37.0%	5.66%	0.75%
36782	Sweet Water	$1,766	77.1%	6.25%	0.42%
36738	Faunsdale	$1,766	67.3%	7.87%	1.12%
35980	Horton	$1,765	99.1%	4.13%	0.34%
36040	Hayneville	$1,765	88.7%	5.78%	N/A
36280	Woodland	$1,764	28.0%	4.55%	0.62%
35576	Millport	$1,764	11.3%	3.58%	1.30%
36263	Graham	$1,762	26.4%	2.94%	4.41%
35073	Graysville	$1,762	91.3%	4.81%	2.16%
35461	Ethelsville	$1,761	13.9%	2.24%	0.75%
35614	Athens	$1,760	62.1%	4.69%	0.89%
35957	Boaz	$1,758	43.0%	4.47%	1.17%
36041	Highland Home	$1,755	1.6%	0.93%	1.87%
36877	Smiths Station	$1,755	99.4%	14.23%	0.25%
36258	Delta	$1,755	4.2%	1.58%	0.40%
35172	Trafford	$1,753	63.0%	5.09%	1.57%
36266	Lineville	$1,753	23.1%	2.68%	0.56%
36748	Linden	$1,751	158.7%	19.25%	0.53%
36079	Troy	$1,751	24.3%	3.42%	1.00%
35968	Fort Payne	$1,750	79.9%	2.83%	0.42%
36740	Forkland	$1,749	2.1%	2.63%	1.32%
35097	Locust Fork	$1,749	30.4%	6.33%	0.67%
36046	Lapine	$1,749	0.6%	0.65%	0.65%
36792	Randolph	$1,748	13.8%	4.70%	0.67%
36265	Jacksonville	$1,748	52.3%	5.82%	0.83%
35959	Cedar Bluff	$1,746	61.4%	2.58%	0.48%
35116	Morris	$1,746	27.4%	4.46%	0.54%
35956	Boaz	$1,745	47.5%	4.59%	0.99%
35447	Carrollton	$1,745	11.3%	3.52%	1.32%
36078	Tallassee	$1,741	71.3%	9.14%	0.46%
36081	Troy	$1,740	28.0%	3.91%	1.17%
35651	Mount Hope	$1,736	8.6%	3.52%	N/A
35978	Henagar	$1,735	38.9%	2.37%	0.84%
35117	Mount Olive	$1,732	65.8%	5.86%	0.47%
36276	Wadley	$1,732	44.5%	6.13%	0.38%
35080	Helena	$1,732	34.9%	5.57%	0.44%
36049	Luverne	$1,729	20.2%	4.56%	0.21%
35071	Gardendale	$1,728	37.7%	5.64%	0.55%
35548	Brilliant	$1,728	24.2%	1.26%	1.26%
35981	Ider	$1,727	17.4%	2.41%	2.07%
35744	Dutton	$1,727	74.4%	1.94%	N/A
35404	Tuscaloosa	$1,726	41.4%	5.85%	0.69%
36273	Ranburne	$1,725	16.5%	4.59%	0.92%
36036	Grady	$1,723	117.1%	8.58%	1.72%
36203	Oxford	$1,723	55.5%	6.75%	0.97%
36020	Coosada	$1,722	46.5%	7.10%	0.65%
35746	Fackler	$1,722	N/A	N/A	N/A
35045	Clanton	$1,721	49.1%	3.16%	0.80%
35593	Vina	$1,720	45.3%	4.00%	0.44%
36022	Deatsville	$1,720	42.6%	4.89%	0.53%
35816	Huntsville	$1,719	63.5%	8.38%	1.68%
35571	Hodges	$1,719	11.2%	3.01%	2.26%
36035	Goshen	$1,718	68.2%	5.76%	0.41%
35444	Brookwood	$1,716	41.8%	5.02%	0.90%
35903	Gadsden	$1,716	38.5%	5.84%	1.06%
35091	Kimberly	$1,714	49.9%	3.78%	0.26%
36037	Greenville	$1,713	14.8%	3.56%	0.73%
36907	Cuba	$1,713	113.0%	7.25%	0.52%
35151	Sylacauga	$1,713	27.3%	3.23%	0.52%
36108	Montgomery	$1,713	43.7%	8.30%	1.49%
35007	Alabaster	$1,713	31.2%	5.76%	0.58%
35490	Vance	$1,713	25.7%	3.70%	0.59%
36006	Billingsley	$1,712	43.9%	2.43%	0.49%
35622	Falkville	$1,711	99.8%	8.11%	0.67%
35564	Hackleburg	$1,710	25.0%	4.35%	0.72%
36874	Salem	$1,710	39.1%	4.79%	0.45%
36921	Toxey	$1,709	107.5%	6.36%	N/A
36321	Cowarts	$1,709	16.2%	2.52%	0.84%
36562	Perdido	$1,708	86.2%	2.16%	N/A
35677	Waterloo	$1,708	86.8%	5.60%	0.84%
36850	Camp Hill	$1,707	13.5%	3.56%	0.30%
35176	Vandiver	$1,707	204.9%	6.52%	N/A
36346	Jack	$1,702	13.3%	5.03%	0.56%
36017	Clio	$1,700	11.8%	0.91%	N/A
36250	Alexandria	$1,700	26.7%	6.37%	0.58%
35960	Centre	$1,700	27.4%	3.85%	0.98%
36264	Heflin	$1,700	30.6%	3.65%	0.62%
35456	Duncanville	$1,699	26.9%	4.81%	0.50%
35150	Sylacauga	$1,699	33.5%	4.27%	1.19%
35085	Jemison	$1,697	28.6%	3.11%	0.48%
35574	Kennedy	$1,697	7.0%	2.75%	N/A
36279	Wellington	$1,697	119.3%	8.87%	0.81%
36256	Daviston	$1,696	6.5%	2.58%	N/A
36255	Cragford	$1,693	21.3%	2.75%	1.83%
35582	Red Bay	$1,693	30.1%	4.10%	1.17%
36869	Phenix City	$1,692	44.7%	6.59%	0.79%
36373	Shorterville	$1,690	N/A	N/A	1.85%
36107	Montgomery	$1,689	15.9%	4.17%	2.17%
36272	Piedmont	$1,686	48.1%	3.05%	0.40%
35446	Buhl	$1,686	10.7%	2.88%	N/A
35481	Reform	$1,686	8.0%	2.68%	0.22%
35143	Shelby	$1,686	16.7%	3.74%	0.23%
35184	West Blocton	$1,683	57.0%	4.93%	0.44%
35470	Livingston	$1,682	41.0%	5.46%	1.16%
35962	Crossville	$1,677	78.0%	4.36%	0.56%
36205	Anniston	$1,677	32.6%	8.79%	1.10%
35904	Gadsden	$1,675	43.6%	5.14%	1.11%
36866	Notasulga	$1,672	13.2%	4.10%	1.02%
36262	Fruithurst	$1,670	58.0%	6.59%	1.20%
36750	Maplesville	$1,669	16.8%	3.09%	0.34%
35068	Fultondale	$1,668	36.1%	5.62%	0.37%
36005	Banks	$1,665	15.8%	3.00%	0.37%
36863	Lanett	$1,664	58.5%	6.56%	1.02%
36867	Phenix City	$1,663	96.1%	11.26%	0.64%
36456	Mc Kenzie	$1,661	8.8%	2.56%	N/A
36066	Prattville	$1,658	38.6%	5.54%	0.53%
36251	Ashland	$1,656	17.6%	2.13%	1.47%
36870	Phenix City	$1,654	40.0%	6.67%	0.68%
35973	Gaylesville	$1,652	48.2%	3.39%	1.35%
36054	Millbrook	$1,652	24.0%	4.89%	0.49%
36092	Wetumpka	$1,649	39.5%	5.01%	0.53%
35473	Northport	$1,648	36.8%	4.23%	0.67%
35183	Weogufka	$1,648	4.9%	0.90%	N/A
35961	Collinsville	$1,647	89.9%	2.85%	0.81%
35115	Montevallo	$1,644	36.0%	4.43%	0.55%
35466	Gordo	$1,640	39.9%	3.90%	0.70%
35453	Cottondale	$1,640	48.0%	4.64%	0.53%
35986	Rainsville	$1,637	39.2%	4.76%	0.56%
35120	Odenville	$1,637	28.3%	4.66%	0.33%
35006	Adger	$1,637	30.0%	4.59%	1.58%
35089	Kellyton	$1,636	28.5%	2.63%	0.75%
36109	Montgomery	$1,636	33.7%	6.72%	0.79%
36206	Anniston	$1,634	56.9%	4.44%	0.93%
35040	Calera	$1,632	60.3%	9.47%	0.65%
35954	Attalla	$1,631	46.8%	4.30%	0.86%
35072	Goodwater	$1,631	23.6%	3.07%	0.32%
35775	Valhermoso Springs	$1,631	65.6%	4.82%	N/A
35004	Moody	$1,625	19.5%	3.32%	0.49%
36042	Honoraville	$1,621	5.6%	1.23%	0.62%
36804	Opelika	$1,619	37.2%	3.78%	0.33%
36034	Glenwood	$1,619	38.7%	3.03%	N/A
35452	Coker	$1,618	11.1%	2.35%	0.83%
35987	Steele	$1,614	163.5%	3.57%	0.67%
35125	Pell City	$1,607	19.6%	4.01%	0.75%
36010	Brundidge	$1,606	70.6%	3.51%	0.96%
36854	Valley	$1,604	44.6%	5.75%	1.08%
36277	Weaver	$1,603	38.9%	5.27%	1.03%
36793	Lawley	$1,601	15.4%	3.13%	1.56%
36201	Anniston	$1,600	31.3%	4.95%	0.87%
35963	Dawson	$1,599	4.2%	2.55%	0.51%
36925	York	$1,596	19.9%	5.07%	1.81%
36025	Elmore	$1,573	37.9%	8.35%	0.31%
36801	Opelika	$1,567	23.2%	3.48%	0.49%
36260	Eastaboga	$1,561	17.8%	4.03%	0.70%
36071	Rutledge	$1,560	111.4%	1.47%	N/A
36110	Montgomery	$1,556	72.0%	11.30%	2.18%
35476	Northport	$1,532	20.6%	4.27%	0.96%
35458	Elrod	$1,529	N/A	N/A	N/A
36269	Muscadine	$1,528	159.8%	0.66%	N/A
35805	Huntsville	$1,521	32.5%	5.19%	1.83%
36852	Cusseta	$1,485	15.3%	3.09%	N/A
35112	Margaret	$1,482	0.2%	1.92%	3.85%
36832	Auburn	$1,440	34.0%	4.80%	0.55%

Alabama Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Alabama compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Alabama

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Alabama ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

73.5

22nd of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Alabama FIO ZIPs

Most common top hazard

Tornado

43 of 67 counties

Highest FEMA NRI counties in Alabama
County	Risk score	Rating	Top hazard
Mobile	98.0	Relatively High	Hurricane
Jefferson	97.6	Relatively High	Tornado
Baldwin	96.7	Relatively High	Hurricane

Counties with elevated FEMA hazard ratings in Alabama
Hazard	Elevated counties	Share of joined
Tornado	22	33%
Hurricane	5	7%
Flooding	4	6%
Winter weather	1	1%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Alabama: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,931/yr here).

Minnesota $1,928/yr Montana $1,945/yr North Dakota $1,954/yr Wyoming $1,902/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.85% here).

New Jersey 0.85% Oklahoma 0.86% West Virginia 0.88% Oregon 0.88%

Frequently Asked Questions

What is the average homeowners insurance cost in Alabama? ▼

Averaged across the 544 Alabama ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,931 ($2,063 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 9% above the national average of $1,776.

How have insurance premiums changed in Alabama? ▼

Alabama homeowners insurance premiums changed by +1.8% between 2018 and 2022. The 2022 average loss ratio is 44.3%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Alabama? ▼

The most expensive ZIP code for homeowners insurance in Alabama is 36528, with an average premium of $8,482/yr. The most affordable is 36832 at $1,440/yr.

What is the nonrenewal rate for Alabama homeowners insurance? ▼

Averaged across the Alabama ZIP codes that report one (92% of the state's ZIP codes), the nonrenewal rate is 0.85%. This rate has changed by -13.7% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 36617 has the highest nonrenewal rate in the state at 2.21%.

What is a loss ratio and what does Alabama's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Alabama's 2022 average loss ratio is 44.3%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Alabama? ▼

The average claim frequency in Alabama is 4.82%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $19,286. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Alabama? ▼

Across 67 FEMA National Risk Index counties that join to Alabama ZIP codes in the FIO file, the mean county risk score is 73.5 (6% above the 50-state mean of 69.3). The most common county-level top hazard is Tornado (43 of 67 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (22), Hurricane (5), Flooding (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Alabama in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Alabama ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are 2022 averages across ZIP-level U.S. Treasury FIO observations (changes compare 2018 with 2022), a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure , Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Alabama Homeowners Insurance

How Alabama Compares

Data Snapshot: Alabama Homeowners Insurance

Loss Ratio Reading: Alabama

Premium Trends (2018-2022)

Average premium in Alabama, 2018–2022

Most Expensive ZIP Codes in Alabama

Most Affordable ZIP Codes in Alabama

All ZIP Codes in Alabama

Alabama Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

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