Home Insurance in Benton, Alabama
Homes in Benton carry a median value of $95,000 - 10% higher than the Lowndes County median.
The typical home in Benton was built around 1941. About 79% of homes were built before 1960, about 69 points above Lowndes County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Benton, the housing stock is 100% single-family homes.
About 74% of owner-occupied homes in Benton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Benton are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Benton - 68% - are primarily heated with electricity.
Lowndes County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Lowndes County had 62 active NFIP flood policies as of September 2026. See the full Lowndes County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $95,000 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lowndes County | 62 |
| 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)