Home Insurance in Littleville, Alabama
The median home value in Littleville is $142,400, 17% lower than the Colbert County median.
The typical home in Littleville was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 1 point above Colbert County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Littleville is 76% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Littleville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Littleville are owner-occupied.
Most homes in Littleville - 66% - are primarily heated with electricity.
What's the biggest home insurance risk near Littleville? FEMA's National Risk Index points to strong wind (Relatively High) in Colbert County and Colbert County had 134 active NFIP flood policies as of September 2026. See the full Colbert 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 | $142,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Colbert County | 134 |
| 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)