Home Insurance in Greensboro, Alabama
The median home value in Greensboro is $130,000, close to the Hale County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Greensboro was built around 1978. About 22% of homes were built before 1960, about 8 points above Hale 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 Greensboro is 47% single-family homes, 1% apartments in buildings with 5+ units and 30% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 31% of owner-occupied homes in Greensboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Greensboro are owner-occupied.
In Greensboro, 71% of homes are primarily heated with electricity.
Hale County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Hale County had 66 active NFIP flood policies as of September 2026. See the full Hale 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 | $130,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Hale County | 66 |
| 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)