Home Insurance in Geneva, Alabama
Homes in Geneva carry a median value of $100,600 - 23% lower than the Geneva County median.
The typical home in Geneva was built around 1974. About 28% of homes were built before 1960, about 7 points above Geneva County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Geneva, the housing stock is 64% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Geneva have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Geneva has an owner-occupancy rate of 75% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Geneva, 81% of homes are primarily heated with electricity.
Geneva County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Geneva County had 63 active NFIP flood policies as of September 2026. See the full Geneva 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 | $100,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Geneva County | 63 |
| 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)