Home Insurance in Lisman, Alabama
The typical home in Lisman was built around 1991. About 5% of homes were built before 1960, about 9 points below Choctaw County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lisman is 55% single-family homes and 45% mobile or manufactured homes.
14% of owner-occupied homes in Lisman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Lisman are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lisman - 63% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Choctaw County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Choctaw County had 33 active NFIP flood policies as of September 2026. See the full Choctaw County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1991 |
|---|---|
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Choctaw County | 33 |
| 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)