Home Insurance in Lakeview, Alabama
With a median home value of $103,100, Lakeview is 32% lower than the DeKalb County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lakeview was built around 1985. About 21% of homes were built before 1960, about 4 points above DeKalb County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lakeview is 51% single-family homes and 49% mobile or manufactured homes.
About 31% of owner-occupied homes in Lakeview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lakeview has an owner-occupancy rate of 78% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Lakeview are primarily heated with electricity.
FEMA rates DeKalb County's overall risk as Relatively Low, led by strong wind (Relatively High). DeKalb County had 67 active NFIP flood policies as of September 2026. See the full DeKalb 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 | $103,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in DeKalb County | 67 |
| 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)