Home Insurance in Vina, Alabama
With a median home value of $57,000, Vina is 58% lower than the Franklin County median.
The typical home in Vina was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 5 points above Franklin County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vina is 54% single-family homes, 2% apartments in buildings with 5+ units and 36% mobile or manufactured homes.
About 27% of owner-occupied homes in Vina have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Vina are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Vina - 69% - are primarily heated with natural gas.
Franklin County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Franklin County had 18 active NFIP flood policies as of September 2026. See the full Franklin 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 | $57,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Franklin County | 18 |
| 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)