Home Insurance in Hayneville, Alabama
With a median home value of $103,500, Hayneville is 20% higher than the Lowndes County median.
The typical home in Hayneville was built around 1978. About 12% of homes were built before 1960, about 2 points above Lowndes County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hayneville is 47% single-family homes, 4% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Hayneville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hayneville has an owner-occupancy rate of 56% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
71% of homes in Hayneville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $103,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)