Home Insurance in Lineville, Alabama
Homes in Lineville carry a median value of $175,500 - 12% higher than the Clay County median.
The typical home in Lineville was built around 1976. About 35% of homes were built before 1960, about 13 points above Clay County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lineville, the housing stock is 68% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Lineville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Lineville are owner-occupied.
Most homes in Lineville - 70% - are primarily heated with electricity.
What's the biggest home insurance risk near Lineville? FEMA's National Risk Index points to wildfire (Relatively Low) in Clay County and Clay County has no active NFIP flood policies on file. See the full Clay 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 home value | $175,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)