Home Insurance in Mentone, Alabama
Homes in Mentone carry a median value of $269,700 - 77% higher than the DeKalb County median.
The typical home in Mentone was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 27 points above DeKalb County's 16%.
In Mentone, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Mentone have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mentone has an owner-occupancy rate of 93% and a vacancy rate of 51%; 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. Most homes in Mentone - 66% - are primarily heated with electricity.
DeKalb County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $269,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)