Home Insurance in Gordonville, Alabama
With a median home value of $68,100, Gordonville is 21% lower than the Lowndes County median.
The typical home in Gordonville was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 13 points above Lowndes County's 10%.
In Gordonville, the housing stock is 57% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gordonville, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Gordonville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Gordonville are primarily heated with electricity.
FEMA rates Lowndes County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $68,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)