Home Insurance in Boligee, Alabama
The median home value in Boligee is $55,600, 32% lower than the Greene County median.
The typical home in Boligee was built around 1963. About 47% of homes were built before 1960, about 30 points above Greene County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Boligee is 42% single-family homes, 29% apartments in buildings with 5+ units and 14% 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.
In Boligee, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 38% of occupied homes in Boligee are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Boligee - 78% - are primarily heated with electricity.
What's the biggest home insurance risk near Boligee? FEMA's National Risk Index points to hurricane (Relatively Low) in Greene County and Greene County had 71 active NFIP flood policies as of September 2026. See the full Greene 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 | $55,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Greene County | 71 |
| 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)