Home Insurance in Edwardsville, Alabama
Homes in Edwardsville carry a median value of $143,800 - 13% lower than the Cleburne County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Edwardsville was built around 1975. About 43% of homes were built before 1960, about 26 points above Cleburne County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Edwardsville is 75% single-family homes and 25% mobile or manufactured homes.
About 60% of owner-occupied homes in Edwardsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edwardsville has an owner-occupancy rate of 88% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Edwardsville, 75% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Cleburne County's overall risk as Very Low, led by tornado (Relatively Moderate). Cleburne County had 4 active NFIP flood policies as of September 2026. See the full Cleburne 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 | $143,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cleburne County | 4 |
| 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)