Home Insurance in Moundville, Alabama
With a median home value of $189,700, Moundville is 49% higher than the Hale County median.
The typical home in Moundville was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 13 points below Hale County's 14%.
In Moundville, the housing stock is 75% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 80% of owner-occupied homes in Moundville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Moundville are owner-occupied.
Most homes in Moundville - 86% - are primarily heated with electricity.
FEMA rates Hale County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $189,700 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)