Home Insurance Non-Renewals in Alabama, County by County
0.82 percent of Alabama homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 1.01% | 0.75% | 0.43% | 0.61% | 0.75% | 0.82% |
Alabama has gone the other way in the national order, down 25 places between the first and last year of this file. It ranked 8th of 51 jurisdictions on the 2018 rate and 33rd on the 2023 rate, so the count of jurisdictions carrying a higher rate went from 7 to 32. The rate itself eased from 1.01 percent in 2018 to 0.82 percent in 2023. Ranked by the size of the move since 2018 rather than by the level, it comes 43rd of 51. The high point in the file is 2018 at 1.01 percent, so 2023 is not this state’s worst reading. Across the five year-on-year steps the rate rose three times and fell twice. The rate rose in 2023. Perry tops the 2023 readings at 2.27 percent, with Monroe next at 1.70 percent, 0.57 points behind. In 2023, 30 of the 67 counties with a reading that year sat above the state rate. Across the 67 counties with a 2023 reading the midpoint is 0.81 percent against 0.82 percent for the state. Under the 2023 rate sit 6,047 policies the insurer chose not to renew out of 740,571 in force, against 6,829 out of 677,617 six years earlier, so the count of dropped policies fell over the file while the book behind it grew. No county here reached the national top 100 counties by 2023 rate, a list that starts at 500 policies in force. None of these are policies homeowners gave up. They are policies the insurer chose not to renew once the term ran out, which is what makes the series worth tracking year by year.
Every county in the file
The policy column is the one to check first. The text above ranks only books of 500 policies or more in 2023, a mark every 2023 reading in this table already clears. Small books are where one lapsed policy becomes whole percentage points, and this state has none of them.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Perry | 1.82% | 0.70% | 0.66% | 0.64% | 1.70% | 2.27% | 660 | up |
| Monroe | 0.74% | 0.79% | 0.62% | 1.53% | 1.63% | 1.70% | 1,879 | up sharply |
| Dallas | 1.11% | 1.08% | 0.44% | 1.31% | 1.32% | 1.58% | 4,045 | up |
| Lowndes | 0.96% | 0.55% | 0.75% | 1.36% | 1.04% | 1.54% | 1,427 | up sharply |
| Sumter | 0.60% | 0.78% | 0.38% | 1.01% | 1.69% | 1.52% | 1,118 | up sharply |
| Russell | 1.93% | 0.80% | 0.43% | 0.83% | 0.63% | 1.50% | 6,545 | down |
| Bullock | 0.54% | 1.06% | 0.43% | 1.00% | 0.89% | 1.49% | 1,206 | up sharply |
| Marengo | 0.80% | 1.06% | 0.57% | 1.52% | 0.96% | 1.49% | 1,941 | up sharply |
| Marshall | 0.94% | 0.97% | 0.36% | 0.49% | 0.78% | 1.42% | 14,312 | up |
| Macon | 0.95% | 0.69% | 0.80% | 0.92% | 0.93% | 1.31% | 2,138 | up |
| Montgomery | 1.48% | 0.92% | 0.50% | 0.96% | 1.07% | 1.31% | 28,822 | down |
| Cleburne | 1.37% | 0.69% | 0.44% | 0.63% | 0.67% | 1.26% | 1,508 | down |
| Marion | 0.57% | 0.67% | 0.59% | 0.75% | 0.87% | 1.20% | 2,910 | up sharply |
| Wilcox | 1.08% | 1.17% | 0.68% | 1.44% | 0.83% | 1.20% | 1,081 | up |
| Crenshaw | 0.48% | 0.63% | 0.16% | 0.67% | 0.73% | 1.15% | 1,386 | up sharply |
| Mobile | 0.60% | 0.67% | 0.35% | 0.80% | 1.13% | 1.12% | 53,393 | up sharply |
| Geneva | 1.18% | 0.69% | 0.29% | 0.64% | 0.96% | 1.09% | 2,667 | flat |
| Choctaw | 1.12% | 1.02% | 0.67% | 1.24% | 0.96% | 1.04% | 1,245 | flat |
| Clarke | 0.68% | 0.84% | 0.36% | 0.74% | 1.66% | 1.04% | 2,898 | up |
| Barbour | 1.21% | 0.77% | 0.57% | 0.65% | 0.43% | 0.98% | 2,143 | down |
| Pike | 1.07% | 0.84% | 0.22% | 0.75% | 1.00% | 0.98% | 3,776 | flat |
| Dale | 1.46% | 0.98% | 0.36% | 0.73% | 0.86% | 0.94% | 4,480 | down sharply |
| Franklin | 0.69% | 0.63% | 0.48% | 0.62% | 1.04% | 0.94% | 4,133 | up |
| Baldwin | 0.29% | 0.39% | 0.49% | 0.64% | 2.44% | 0.93% | 32,815 | up sharply |
| Coffee | 1.33% | 0.61% | 0.45% | 0.29% | 0.91% | 0.89% | 5,292 | down |
| Hale | 1.07% | 1.11% | 0.58% | 0.61% | 0.77% | 0.88% | 2,159 | down |
| Pickens | 0.59% | 0.53% | 0.32% | 0.72% | 1.08% | 0.88% | 2,721 | up |
| Dekalb | 0.59% | 0.57% | 0.26% | 0.57% | 0.69% | 0.84% | 7,954 | up |
| Washington | 0.76% | 0.69% | 0.43% | 1.16% | 1.11% | 0.84% | 1,796 | flat |
| Colbert | 0.74% | 0.59% | 0.33% | 0.53% | 0.59% | 0.83% | 11,267 | flat |
| Butler | 0.44% | 0.40% | 0.30% | 0.70% | 0.59% | 0.82% | 2,547 | up |
| Etowah | 1.68% | 1.24% | 0.53% | 0.61% | 0.73% | 0.82% | 15,392 | down sharply |
| Calhoun | 1.27% | 1.34% | 0.77% | 0.67% | 0.72% | 0.81% | 14,499 | down |
| Fayette | 0.46% | 0.56% | 0.25% | 0.73% | 0.77% | 0.81% | 2,110 | up |
| Jefferson | 1.14% | 0.96% | 0.54% | 0.69% | 0.73% | 0.81% | 109,765 | down |
| Talladega | 1.09% | 0.84% | 0.59% | 0.84% | 0.86% | 0.80% | 13,806 | down |
| Clay | 0.61% | 0.61% | 0.20% | 0.70% | 0.61% | 0.79% | 1,655 | up |
| Coosa | 0.67% | 0.48% | 0.57% | 0.50% | 0.60% | 0.78% | 1,788 | up |
| Cullman | 0.71% | 0.80% | 0.39% | 0.42% | 0.58% | 0.78% | 14,301 | flat |
| Blount | 0.91% | 0.74% | 0.36% | 0.41% | 0.64% | 0.76% | 7,923 | down |
| Greene | 0.79% | 1.36% | 0.57% | 0.77% | 1.17% | 0.76% | 925 | flat |
| Lamar | 1.30% | 0.28% | 0.37% | 0.27% | 1.10% | 0.75% | 1,073 | down sharply |
| Walker | 1.38% | 1.29% | 0.50% | 0.93% | 0.59% | 0.73% | 7,681 | down sharply |
| Bibb | 1.19% | 0.61% | 0.24% | 0.87% | 0.63% | 0.72% | 2,500 | down |
| Houston | 1.08% | 0.69% | 0.39% | 0.48% | 0.51% | 0.72% | 13,417 | down |
| Chambers | 0.82% | 0.70% | 0.41% | 1.19% | 1.13% | 0.71% | 5,602 | down |
| Chilton | 0.82% | 0.63% | 0.25% | 0.64% | 0.66% | 0.70% | 5,169 | down |
| Henry | 0.97% | 1.10% | 0.38% | 0.43% | 0.34% | 0.69% | 2,754 | down |
| Lauderdale | 0.73% | 0.54% | 0.35% | 0.48% | 0.41% | 0.69% | 16,768 | flat |
| Tuscaloosa | 1.13% | 0.63% | 0.37% | 0.49% | 0.50% | 0.69% | 32,869 | down |
| Cherokee | 0.52% | 0.54% | 0.30% | 0.69% | 0.61% | 0.68% | 3,665 | up |
| Morgan | 1.17% | 0.69% | 0.49% | 0.49% | 0.69% | 0.68% | 18,002 | down |
| Winston | 0.73% | 0.52% | 0.38% | 0.60% | 0.64% | 0.68% | 3,849 | flat |
| Conecuh | 0.66% | 0.59% | 0.50% | 0.72% | 0.94% | 0.67% | 1,337 | flat |
| Madison | 0.99% | 0.60% | 0.35% | 0.42% | 0.43% | 0.67% | 69,196 | down |
| Tallapoosa | 0.73% | 0.77% | 0.28% | 0.45% | 0.44% | 0.67% | 7,511 | flat |
| Lee | 0.99% | 0.63% | 0.28% | 0.40% | 0.45% | 0.66% | 22,270 | down |
| Randolph | 0.49% | 0.64% | 0.40% | 0.35% | 0.33% | 0.66% | 3,044 | up |
| Autauga | 1.37% | 0.49% | 0.29% | 0.31% | 0.56% | 0.65% | 8,261 | down sharply |
| Elmore | 1.30% | 0.58% | 0.30% | 0.53% | 0.54% | 0.64% | 14,771 | down sharply |
| Escambia | 0.93% | 0.93% | 0.37% | 0.98% | 1.32% | 0.64% | 3,599 | down |
| Covington | 0.79% | 0.56% | 0.33% | 0.84% | 0.55% | 0.61% | 4,947 | down |
| Lawrence | 1.89% | 0.78% | 0.48% | 0.37% | 0.52% | 0.59% | 5,239 | down sharply |
| St. Clair | 0.93% | 0.57% | 0.43% | 0.47% | 0.42% | 0.57% | 16,797 | down |
| Jackson | 0.57% | 0.64% | 0.39% | 0.56% | 0.50% | 0.56% | 6,915 | flat |
| Limestone | 1.07% | 0.54% | 0.34% | 0.30% | 0.36% | 0.56% | 18,366 | down sharply |
| Shelby | 1.04% | 0.64% | 0.39% | 0.50% | 0.42% | 0.49% | 50,541 | down sharply |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the Alabama statute. The states it has checked are on the coverage map. For Alabama, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.