Home Insurance in Clio, Alabama
Homes in Clio carry a median value of $65,600 - 42% lower than the Barbour County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clio was built around 1984. About 19% of homes were built before 1960, in line with Barbour County (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clio is 37% single-family homes, 2% apartments in buildings with 5+ units and 49% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 19% of owner-occupied homes in Clio have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Clio are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Clio - 88% - are primarily heated with electricity.
Barbour County had 31 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Barbour County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $65,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Barbour County | 31 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)