Home Insurance in Valley Grande, Alabama
The median home value in Valley Grande is $133,100, 41% higher than the Dallas County median.
The typical home in Valley Grande was built around 1993. About 2% of homes were built before 1960, about 21 points below Dallas County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Valley Grande is 75% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Valley Grande carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Valley Grande has an owner-occupancy rate of 90% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Valley Grande - 58% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Valley Grande? FEMA's National Risk Index points to tornado (Relatively Moderate) in Dallas County and Dallas County had 220 active NFIP flood policies as of September 2026. See the full Dallas 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 | $133,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Dallas County | 220 |
| 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)