Home Insurance in Beaverton, Alabama
Homes in Beaverton carry a median value of $73,300 - 36% lower than the Lamar County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Beaverton was built around 1976. About 17% of homes were built before 1960, about 5 points below Lamar County's 22%.
In Beaverton, the housing stock is 65% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Beaverton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Beaverton are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Beaverton are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lamar County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Lamar County had 14 active NFIP flood policies as of September 2026. See the full Lamar County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $73,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lamar County | 14 |
| 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)