Home Insurance in Glen Allen, Alabama
With a median home value of $89,600, Glen Allen is 29% lower than the Fayette County median.
The typical home in Glen Allen was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 6 points above Fayette County's 20%.
In Glen Allen, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Glen Allen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Glen Allen has an owner-occupancy rate of 94% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Glen Allen - 64% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Fayette County's overall risk as Very Low, led by strong wind (Relatively Moderate). Fayette County had 25 active NFIP flood policies as of September 2026. See the full Fayette County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $89,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Fayette County | 25 |
| 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)