Florence has 41,701 residents in 17,745 households. We list 3 agencies for home insurance in Florence. Here is what the local numbers say about the cover people here need.

Florence at a glance

3home insurance agencies listed
47.9%of households rentRenters insurance
$196,300median home valueHome insurance
1973median year homes were builtRebuild cost calculator
8.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lauderdale County

FEMA rates the overall natural hazard risk in Lauderdale County, where most Florence agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Florence
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Florence
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Florence

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Home insurance in Florence

All insurance agencies in Florence · Home insurance across Alabama

Where can I find home insurance in Florence?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Florence?

FEMA's National Risk Index rates inland flooding risk in Lauderdale County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Home insurance near Florence

For insurance agencies

Is your Florence agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing