Home Insurance in Level Plains, Alabama
Homes in Level Plains carry a median value of $137,500 - close to the Dale County median.
The typical home in Level Plains was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 5 points below Dale County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Level Plains is 64% single-family homes, 1% apartments in buildings with 5+ units and 33% mobile or manufactured homes.
In Level Plains, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Level Plains are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Level Plains are primarily heated with electricity.
Dale County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Dale 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 | $137,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Dale County | 68 |
| 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)