Alabama
Home insurance overview — 544 ZIP codes, 388 cities
Avg Premium (2025 Est.)
$2,154
+11.5% from 2022
Nonrenewal Rate
0.85%
5yr Storm Damage
$107.3M
Alabama Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Langston | 1 | $2,347 | 77 | High |
| Pennington | 1 | $2,389 | 72 | High |
| Beaverton | 1 | $2,135 | 70 | High |
| Woodville | 1 | $2,116 | 69 | High |
| Tarrant | 1 | $2,185 | 67 | High |
| Paint Rock | 1 | $2,125 | 66 | High |
| Section | 1 | $2,046 | 66 | High |
| Midfield | 1 | $2,262 | 65 | High |
| Fairfield | 1 | $2,298 | 64 | High |
| Grove Hill | 1 | $2,225 | 63 | High |
| Atmore | 1 | $2,393 | 63 | High |
| Pisgah | 1 | $1,988 | 63 | High |
| Graysville | 1 | $1,961 | 63 | High |
| Gordon | 2 | $2,248 | 63 | High |
| Mentone | 1 | $2,255 | 62 | High |
| Gilbertown | 1 | $2,088 | 62 | High |
| Geraldine | 1 | $2,076 | 62 | High |
| Webb | 1 | $2,220 | 62 | High |
| Monroeville | 1 | $2,490 | 62 | High |
| Birmingham | 17 | $2,176 | 62 | High |
| Adamsville | 1 | $2,172 | 61 | High |
| Frisco City | 1 | $2,341 | 61 | High |
| Peterman | 1 | $2,284 | 61 | High |
| Rogersville | 1 | $2,165 | 61 | High |
| Spruce Pine | 1 | $2,361 | 61 | High |
| Anderson | 1 | $2,272 | 61 | High |
| North Johns | 1 | $1,834 | 61 | High |
| Bridgeport | 2 | $2,166 | 61 | High |
| Courtland | 1 | $2,297 | 61 | High |
| Harpersville | 1 | $2,096 | 61 | High |
| Ider | 3 | $2,080 | 60 | Elevated |
| Guntersville | 1 | $2,426 | 60 | Elevated |
| Tibbie | 1 | $2,543 | 60 | Elevated |
| Brewton | 1 | $2,321 | 60 | Elevated |
| Union Grove | 1 | $2,212 | 60 | Elevated |
| Samson | 1 | $2,203 | 60 | Elevated |
| Fitzpatrick | 1 | $2,750 | 60 | Elevated |
| Hodges | 1 | $1,889 | 60 | Elevated |
| Chickasaw | 1 | $2,220 | 60 | Elevated |
| Boaz | 1 | $1,988 | 60 | Elevated |
| Dutton | 1 | $1,991 | 60 | Elevated |
| Hammondville | 1 | $2,205 | 59 | Elevated |
| Bayou La Batre | 3 | $3,356 | 59 | Elevated |
| Leighton | 1 | $2,157 | 59 | Elevated |
| Blue Springs | 1 | $1,923 | 59 | Elevated |
| Butler | 1 | $2,061 | 59 | Elevated |
| Waterloo | 1 | $1,987 | 59 | Elevated |
| Pleasant Grove | 1 | $2,430 | 59 | Elevated |
| Sheffield | 1 | $2,063 | 58 | Elevated |
| Cottonwood | 1 | $1,977 | 58 | Elevated |
| Berry | 1 | $1,986 | 58 | Elevated |
| Coffee Springs | 2 | $2,197 | 58 | Elevated |
| Mountain Brook | 2 | $3,970 | 58 | Elevated |
| Ashford | 1 | $2,202 | 58 | Elevated |
| Boligee | 1 | $2,185 | 58 | Elevated |
| Sylvan Springs | 1 | $2,148 | 58 | Elevated |
| Jackson | 1 | $2,285 | 58 | Elevated |
| Cherokee | 1 | $2,196 | 58 | Elevated |
| Thomaston | 1 | $2,069 | 58 | Elevated |
| Decatur | 3 | $2,159 | 57 | Elevated |
| Beatrice | 1 | $2,546 | 57 | Elevated |
| Silas | 1 | $2,039 | 57 | Elevated |
| Marion | 1 | $2,104 | 57 | Elevated |
| Uniontown | 2 | $2,155 | 57 | Elevated |
| Graham | 1 | $1,982 | 57 | Elevated |
| Lisman | 1 | $2,073 | 57 | Elevated |
| Louisville | 1 | $2,064 | 57 | Elevated |
| Whatley | 2 | $2,036 | 57 | Elevated |
| Hollywood | 1 | $2,015 | 57 | Elevated |
| Florala | 1 | $2,421 | 57 | Elevated |
| Chatom | 1 | $2,313 | 57 | Elevated |
| Valley Grande | 2 | $2,144 | 57 | Elevated |
| Geneva | 1 | $2,225 | 56 | Elevated |
| Daleville | 1 | $2,087 | 56 | Elevated |
| Coffeeville | 1 | $2,007 | 56 | Elevated |
| Albertville | 2 | $2,062 | 56 | Elevated |
| Bessemer | 2 | $2,191 | 56 | Elevated |
| Sylvania | 1 | $2,085 | 56 | Elevated |
| Aliceville | 1 | $1,951 | 56 | Elevated |
| Prichard | 3 | $2,166 | 56 | Elevated |
| Creola | 1 | $2,060 | 55 | Elevated |
| Goldville | 1 | $1,939 | 55 | Elevated |
| Tuskegee | 1 | $2,169 | 55 | Elevated |
| Dora | 1 | $2,097 | 55 | Elevated |
| Stevenson | 2 | $2,019 | 55 | Elevated |
| Abbeville | 2 | $1,903 | 55 | Elevated |
| Fredonia | 1 | $2,051 | 55 | Elevated |
| Montgomery | 11 | $2,174 | 55 | Elevated |
| Pike Road | 4 | $2,457 | 54 | Elevated |
| Trafford | 1 | $1,965 | 54 | Elevated |
| Vernon | 1 | $2,044 | 54 | Elevated |
| Huntsville | 16 | $2,287 | 54 | Elevated |
| Sulligent | 1 | $2,104 | 54 | Elevated |
| Arab | 1 | $2,124 | 54 | Elevated |
| Cordova | 1 | $2,151 | 54 | Elevated |
| Red Bay | 1 | $1,900 | 54 | Elevated |
| Lexington | 1 | $2,057 | 54 | Elevated |
| White Hall | 4 | $2,232 | 54 | Elevated |
| Wedowee | 1 | $2,332 | 54 | Elevated |
| Penton | 1 | $1,992 | 54 | Elevated |
| Good Hope | 2 | $2,176 | 54 | Elevated |
| Black | 1 | $1,938 | 54 | Elevated |
| Killen | 1 | $2,278 | 53 | Elevated |
| Pickensville | 1 | $1,942 | 53 | Elevated |
| Columbia | 1 | $2,334 | 53 | Elevated |
| Dauphin Island | 1 | $9,729 | 53 | Elevated |
| Greensboro | 1 | $2,179 | 53 | Elevated |
| New Hope | 1 | $2,058 | 53 | Elevated |
| Florence | 1 | $2,009 | 53 | Elevated |
| Vestavia Hills | 2 | $2,704 | 53 | Elevated |
| Somerville | 2 | $1,945 | 53 | Elevated |
| Millport | 1 | $1,972 | 53 | Elevated |
| Scottsboro | 2 | $2,181 | 53 | Elevated |
| Newton | 1 | $2,176 | 53 | Elevated |
| Douglas | 1 | $1,978 | 53 | Elevated |
| Arley | 2 | $2,748 | 53 | Elevated |
| Alexander City | 1 | $2,442 | 52 | Elevated |
| Detroit | 1 | $1,982 | 52 | Elevated |
| Lester | 1 | $2,148 | 52 | Elevated |
| Homewood | 1 | $2,465 | 52 | Elevated |
| Ardmore | 1 | $2,155 | 52 | Elevated |
| New Site | 1 | $1,881 | 52 | Elevated |
| Cowarts | 1 | $1,892 | 52 | Elevated |
| Pine Apple | 2 | $2,168 | 52 | Elevated |
| Talladega | 1 | $2,129 | 52 | Elevated |
| Kennedy | 1 | $1,954 | 52 | Elevated |
| Athens | 3 | $2,088 | 52 | Elevated |
| Town Creek | 1 | $2,171 | 52 | Elevated |
| Fayette | 2 | $2,138 | 52 | Elevated |
| Tuscaloosa | 7 | $2,115 | 52 | Elevated |
| Holly Pond | 1 | $2,068 | 52 | Elevated |
| Grant | 1 | $2,219 | 52 | Elevated |
| Flomaton | 1 | $2,201 | 52 | Elevated |
| Mobile | 13 | $2,630 | 52 | Elevated |
| Mount Vernon | 1 | $2,149 | 52 | Elevated |
| Irondale | 1 | $2,043 | 52 | Elevated |
| Dothan | 3 | $2,249 | 52 | Elevated |
| Hamilton | 1 | $2,079 | 52 | Elevated |
| Citronelle | 1 | $2,239 | 52 | Elevated |
| Hurtsboro | 1 | $2,262 | 52 | Elevated |
| Luverne | 2 | $1,897 | 52 | Elevated |
| Evergreen | 1 | $2,297 | 52 | Elevated |
| St. Stephens | 2 | $2,238 | 52 | Elevated |
| Gadsden | 2 | $2,103 | 51 | Elevated |
| McKenzie | 1 | $1,835 | 51 | Elevated |
| Millry | 1 | $2,133 | 51 | Elevated |
| Brilliant | 1 | $1,930 | 51 | Elevated |
| Bear Creek | 1 | $2,055 | 51 | Elevated |
| Perdido | 1 | $1,844 | 51 | Elevated |
| Brookwood | 1 | $1,913 | 51 | Elevated |
| Hueytown | 1 | $2,056 | 51 | Elevated |
| Axis | 1 | $2,304 | 51 | Elevated |
| Carbon Hill | 2 | $2,179 | 51 | Elevated |
| Slocomb | 1 | $2,071 | 51 | Elevated |
| St. Florian | 1 | $2,282 | 51 | Elevated |
| Ozark | 1 | $2,110 | 51 | Elevated |
| New Market | 1 | $2,181 | 51 | Elevated |
| Toxey | 1 | $1,889 | 50 | Elevated |
| Henagar | 1 | $1,915 | 50 | Elevated |
| Brantley | 1 | $2,004 | 50 | Elevated |
| Ranburne | 1 | $1,932 | 50 | Elevated |
| Vandiver | 1 | $1,851 | 50 | Elevated |
| Tuscumbia | 1 | $2,064 | 50 | Elevated |
| Cleveland | 1 | $2,118 | 50 | Elevated |
| Pinson | 1 | $2,103 | 50 | Elevated |
| Leesburg | 1 | $2,007 | 50 | Elevated |
| Muscle Shoals | 1 | $2,069 | 50 | Elevated |
| Hillsboro | 1 | $2,029 | 50 | Elevated |
| Glen Allen | 1 | $2,152 | 50 | Elevated |
| Goshen | 2 | $1,927 | 50 | Elevated |
| Collinsville | 1 | $1,799 | 50 | Elevated |
| Putnam | 1 | $2,215 | 50 | Elevated |
| Troy | 2 | $1,920 | 50 | Elevated |
| Meridianville | 1 | $2,055 | 49 | Elevated |
| Hazel Green | 1 | $2,066 | 49 | Elevated |
| Underwood-Petersville | 1 | $2,036 | 49 | Elevated |
| Franklin | 1 | $2,084 | 49 | Elevated |
| New Brockton | 2 | $1,961 | 49 | Elevated |
| York | 1 | $1,752 | 49 | Elevated |
| Joppa | 1 | $2,075 | 49 | Elevated |
| Sims Chapel | 1 | $2,346 | 49 | Elevated |
| Russellville | 3 | $2,014 | 49 | Elevated |
| Headland | 1 | $2,122 | 49 | Elevated |
| Stockton | 1 | $2,152 | 49 | Elevated |
| Newville | 1 | $1,948 | 49 | Elevated |
| Bon Secour | 1 | $2,250 | 49 | Elevated |
| Northport | 5 | $1,871 | 49 | Elevated |
| Midland City | 1 | $2,110 | 49 | Elevated |
| Leeds | 1 | $2,026 | 49 | Elevated |
| Fairhope | 2 | $4,193 | 49 | Elevated |
| Dadeville | 1 | $2,278 | 49 | Elevated |
| Enterprise | 1 | $2,198 | 48 | Elevated |
| Eclectic | 1 | $2,420 | 48 | Elevated |
| Madison | 1 | $2,533 | 48 | Elevated |
| Camden | 1 | $2,122 | 48 | Elevated |
| Harvest | 1 | $2,278 | 48 | Elevated |
| Anniston | 2 | $1,822 | 48 | Elevated |
| Kinston | 1 | $2,037 | 48 | Elevated |
| Morris | 1 | $1,973 | 48 | Elevated |
| Ariton | 1 | $2,000 | 48 | Elevated |
| Livingston | 1 | $1,870 | 48 | Elevated |
| McCalla | 1 | $2,171 | 48 | Elevated |
| Clayton | 1 | $2,212 | 48 | Elevated |
| Trinity | 1 | $2,178 | 48 | Elevated |
| Castleberry | 1 | $2,150 | 48 | Elevated |
| Fort Payne | 2 | $1,960 | 48 | Elevated |
| Shorter | 1 | $2,286 | 48 | Elevated |
| Cullman | 2 | $2,081 | 48 | Elevated |
| Vinegar Bend | 1 | $2,286 | 48 | Elevated |
| Dozier | 1 | $2,053 | 48 | Elevated |
| Clio | 1 | $1,887 | 48 | Elevated |
| Remlap | 1 | $2,188 | 48 | Elevated |
| Weaver | 1 | $1,814 | 47 | Elevated |
| Orrville | 2 | $2,130 | 47 | Elevated |
| Ashland | 1 | $1,800 | 47 | Elevated |
| Munford | 1 | $2,064 | 47 | Elevated |
| Coosada | 1 | $1,963 | 47 | Elevated |
| Haleyville | 1 | $2,072 | 47 | Elevated |
| Billingsley | 2 | $2,031 | 47 | Elevated |
| Nauvoo | 1 | $2,182 | 47 | Elevated |
| Magnolia Springs | 1 | $3,459 | 47 | Elevated |
| Elkmont | 1 | $2,000 | 47 | Elevated |
| Double Springs | 1 | $2,236 | 47 | Elevated |
| Childersburg | 1 | $1,933 | 47 | Elevated |
| Sylacauga | 2 | $2,056 | 47 | Elevated |
| Warrior | 1 | $2,003 | 47 | Elevated |
| Whitesboro | 1 | $1,976 | 47 | Elevated |
| Lynn | 1 | $2,063 | 47 | Elevated |
| White Plains | 1 | $2,140 | 47 | Elevated |
| Sipsey | 2 | $2,254 | 47 | Elevated |
| Oneonta | 1 | $2,089 | 46 | Elevated |
| Vincent | 1 | $2,038 | 46 | Elevated |
| Valley | 1 | $1,769 | 46 | Elevated |
| Camp Hill | 1 | $1,927 | 46 | Elevated |
| Centre | 1 | $1,877 | 46 | Elevated |
| Clanton | 3 | $1,995 | 46 | Elevated |
| Fort Deposit | 3 | $1,993 | 46 | Elevated |
| Moulton | 1 | $2,113 | 46 | Elevated |
| Roanoke | 1 | $2,160 | 46 | Elevated |
| Babbie | 1 | $2,216 | 46 | Elevated |
| Broomtown | 1 | $1,783 | 46 | Elevated |
| Dayton | 1 | $1,906 | 46 | Elevated |
| Hoover | 3 | $2,562 | 46 | Elevated |
| Pine Hill | 1 | $2,281 | 46 | Elevated |
| Grand Bay | 1 | $2,383 | 46 | Elevated |
| Alabaster | 2 | $1,999 | 46 | Elevated |
| Glencoe | 1 | $2,031 | 46 | Elevated |
| Georgiana | 1 | $1,981 | 46 | Elevated |
| Huguley | 1 | $1,834 | 46 | Elevated |
| Falkville | 1 | $1,899 | 45 | Elevated |
| Sterrett | 1 | $2,289 | 45 | Elevated |
| Elba | 1 | $2,019 | 45 | Elevated |
| Phenix City | 7 | $2,069 | 45 | Elevated |
| Gallant | 1 | $1,920 | 45 | Elevated |
| Trussville | 1 | $2,159 | 45 | Elevated |
| Union Springs | 1 | $1,969 | 45 | Elevated |
| Parrish | 1 | $2,197 | 45 | Elevated |
| Vance | 1 | $1,914 | 45 | Elevated |
| Eva | 1 | $2,031 | 45 | Elevated |
| Saks | 1 | $1,825 | 45 | Elevated |
| Phil Campbell | 1 | $2,047 | 45 | Elevated |
| Akron | 2 | $2,162 | 45 | Elevated |
| Greenville | 1 | $1,876 | 45 | Elevated |
| Hartford | 1 | $2,043 | 45 | Elevated |
| Hackleburg | 1 | $1,988 | 45 | Elevated |
| Opp | 1 | $2,170 | 45 | Elevated |
| Jasper | 3 | $2,465 | 45 | Elevated |
| Jacksonville | 1 | $1,917 | 45 | Elevated |
| Winfield | 1 | $2,280 | 45 | Elevated |
| Rainbow City | 1 | $2,021 | 45 | Elevated |
| Hartselle | 1 | $2,061 | 45 | Elevated |
| Summerdale | 1 | $2,335 | 45 | Elevated |
| Lillian | 2 | $2,863 | 45 | Elevated |
| West Point | 1 | $2,049 | 45 | Elevated |
| Wilsonville | 1 | $2,202 | 44 | Elevated |
| Stapleton | 1 | $2,109 | 44 | Elevated |
| Fyffe | 1 | $2,023 | 44 | Elevated |
| Midway | 1 | $1,928 | 44 | Elevated |
| Fultondale | 1 | $1,903 | 44 | Elevated |
| Gardendale | 1 | $1,937 | 44 | Elevated |
| Margaret | 1 | $1,600 | 44 | Elevated |
| Andalusia | 1 | $2,175 | 44 | Elevated |
| Baileyton | 1 | $2,016 | 44 | Elevated |
| Coaling | 1 | $1,813 | 44 | Elevated |
| Linden | 1 | $1,927 | 44 | Elevated |
| Rutledge | 2 | $1,727 | 44 | Elevated |
| Egypt | 1 | $2,003 | 44 | Elevated |
| Vina | 1 | $1,950 | 44 | Elevated |
| Columbiana | 1 | $2,219 | 44 | Elevated |
| Forkland | 1 | $1,915 | 44 | Elevated |
| Guin | 1 | $2,236 | 44 | Elevated |
| Cuba | 1 | $1,907 | 44 | Elevated |
| Ballplay | 2 | $1,883 | 44 | Elevated |
| Bay Minette | 1 | $2,151 | 44 | Elevated |
| Mount Olive | 1 | $1,952 | 44 | Elevated |
| Demopolis | 2 | $2,072 | 44 | Elevated |
| Hanceville | 1 | $2,044 | 44 | Elevated |
| Riverside | 1 | $2,062 | 44 | Elevated |
| Sumiton | 1 | $2,083 | 43 | Elevated |
| Notasulga | 1 | $1,846 | 43 | Elevated |
| Glenwood | 1 | $1,747 | 43 | Elevated |
| Crossville | 2 | $1,877 | 43 | Elevated |
| Equality | 1 | $2,309 | 43 | Elevated |
| Kimberly | 1 | $1,952 | 43 | Elevated |
| Jacksons' Gap | 1 | $2,089 | 43 | Elevated |
| Woodstock | 1 | $2,038 | 43 | Elevated |
| Hissop | 3 | $1,962 | 43 | Elevated |
| Wilton | 2 | $2,133 | 43 | Elevated |
| Brent | 1 | $1,974 | 43 | Elevated |
| Cedar Bluff | 1 | $1,931 | 43 | Elevated |
| Marbury | 1 | $2,101 | 42 | Elevated |
| Edwardsville | 2 | $1,779 | 42 | Elevated |
| Brundidge | 1 | $1,754 | 42 | Elevated |
| Morrison Crossroads | 1 | $2,008 | 42 | Elevated |
| Eufaula | 1 | $2,048 | 42 | Elevated |
| Oxford | 2 | $1,810 | 42 | Elevated |
| Ashville | 1 | $1,997 | 42 | Elevated |
| Pelham | 1 | $2,119 | 42 | Elevated |
| Uriah | 1 | $2,085 | 42 | Elevated |
| Stewartville | 2 | $1,833 | 42 | Elevated |
| Orange Beach | 1 | $5,727 | 42 | Elevated |
| Reform | 2 | $1,774 | 42 | Elevated |
| Eutaw | 1 | $2,213 | 42 | Elevated |
| Elberta | 1 | $2,819 | 41 | Elevated |
| Gordo | 1 | $1,830 | 41 | Elevated |
| Semmes | 2 | $2,170 | 41 | Elevated |
| Heflin | 1 | $1,862 | 41 | Elevated |
| Macedonia | 1 | $1,920 | 41 | Elevated |
| Chunchula | 1 | $2,276 | 41 | Elevated |
| Attalla | 1 | $1,829 | 41 | Elevated |
| Pell City | 3 | $2,032 | 41 | Elevated |
| River Falls | 1 | $2,015 | 41 | Elevated |
| Hayden | 1 | $1,996 | 41 | Elevated |
| Pea Ridge | 1 | $1,823 | 41 | Elevated |
| Rainsville | 1 | $1,794 | 41 | Elevated |
| Gulf Shores | 1 | $3,865 | 41 | Elevated |
| Repton | 1 | $2,059 | 41 | Elevated |
| Maplesville | 2 | $1,791 | 40 | Moderate |
| Cusseta | 1 | $1,667 | 40 | Moderate |
| Leroy | 1 | $2,160 | 40 | Moderate |
| Silverhill | 1 | $2,206 | 40 | Moderate |
| Calera | 1 | $1,835 | 40 | Moderate |
| Ragland | 1 | $1,955 | 40 | Moderate |
| Southside | 1 | $1,992 | 40 | Moderate |
| Prattville | 2 | $1,918 | 40 | Moderate |
| Tillmans Corner | 1 | $2,494 | 40 | Moderate |
| Autaugaville | 1 | $1,976 | 40 | Moderate |
| Tallassee | 1 | $1,912 | 40 | Moderate |
| Robertsdale | 1 | $2,167 | 40 | Moderate |
| Saraland | 1 | $1,998 | 39 | Moderate |
| Redland | 1 | $2,118 | 39 | Moderate |
| Millbrook | 1 | $1,826 | 39 | Moderate |
| Auburn | 3 | $1,897 | 39 | Moderate |
| Blountsville | 1 | $2,024 | 39 | Moderate |
| Jemison | 1 | $1,914 | 39 | Moderate |
| Pine Level | 1 | $1,925 | 39 | Moderate |
| Lincoln | 1 | $1,986 | 39 | Moderate |
| Chelsea | 1 | $2,098 | 39 | Moderate |
| Alexandria | 2 | $1,885 | 39 | Moderate |
| Oakman | 1 | $2,135 | 39 | Moderate |
| Centreville | 1 | $2,058 | 38 | Moderate |
| Addison | 3 | $2,271 | 38 | Moderate |
| Sweet Water | 1 | $1,907 | 38 | Moderate |
| Daphne | 1 | $2,762 | 38 | Moderate |
| Helena | 1 | $1,970 | 38 | Moderate |
| Smiths Station | 2 | $1,932 | 38 | Moderate |
| Lineville | 1 | $1,924 | 38 | Moderate |
| Thorsby | 1 | $2,002 | 37 | Moderate |
| Shelby | 1 | $1,873 | 37 | Moderate |
| Delta | 1 | $1,914 | 37 | Moderate |
| Steele | 1 | $1,761 | 37 | Moderate |
| Locust Fork | 1 | $1,888 | 37 | Moderate |
| Wetumpka | 1 | $1,835 | 37 | Moderate |
| Loxley | 1 | $2,121 | 37 | Moderate |
| Satsuma | 1 | $2,096 | 37 | Moderate |
| Ohatchee | 1 | $1,975 | 36 | Moderate |
| Springville | 1 | $1,974 | 36 | Moderate |
| Opelika | 2 | $1,771 | 36 | Moderate |
| Hollins | 1 | $1,814 | 36 | Moderate |
| West Blocton | 1 | $1,830 | 36 | Moderate |
| Spanish Fort | 1 | $2,624 | 35 | Moderate |
| Abanda | 1 | $1,890 | 35 | Moderate |
| Banks | 1 | $1,822 | 35 | Moderate |
| Moundville | 1 | $2,030 | 35 | Moderate |
| Moody | 1 | $1,815 | 34 | Moderate |
| Elmore | 1 | $1,720 | 34 | Moderate |
| Foley | 1 | $2,300 | 34 | Moderate |
| Odenville | 1 | $1,799 | 33 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.