Home Insurance in Smiths Station, Alabama
With a median home value of $203,300, Smiths Station is 22% lower than the Lee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Smiths Station was built around 1989. About 7% of homes were built before 1960, in line with Lee County (7%).
In Smiths Station, the housing stock is 74% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Smiths Station, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Smiths Station has an owner-occupancy rate of 85% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
83% of homes in Smiths Station are primarily heated with electricity.
Lee County had 262 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Lee County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Alabama, the statewide average premium for a standard HO-3 homeowners policy is $1,906 per year (NAIC, 2023 data).
Key figures
| Median home value | $203,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lee County | 262 |
| 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)