Home Insurance in Ranburne, Alabama
Homes in Ranburne carry a median value of $238,300 - 44% higher than the Cleburne County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ranburne was built around 1974. About 30% of homes were built before 1960, about 13 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 Ranburne is 91% single-family homes and 9% mobile or manufactured homes.
50% of owner-occupied homes in Ranburne carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Ranburne are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ranburne, 62% of homes are primarily heated with electricity.
Cleburne County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $238,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)