HomeInsuranceQts

Home Insurance in Lowndesboro, Alabama

The median home value in Lowndesboro is $196,900, 128% higher than the Lowndes County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lowndesboro was built around 1963. About 45% of homes were built before 1960, about 35 points above Lowndes County's 10%.

The housing stock in Lowndesboro is 100% single-family homes.

In Lowndesboro, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

All occupied homes in Lowndesboro are owner-occupied. The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Lowndesboro - 71% - 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 had 62 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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$196,900
Median year built1963
Owner-occupied share100%
Share of owner-occupied homes with a mortgage71%
Top county hazardHurricane (Relatively Low)
Active NFIP policies in Lowndes County62
Home insurance premium$1,906 - statewide average (NAIC, 2023 data)
Key home insurance figures for Lowndesboro, AL

Nearby towns

Sources

Data last updated: 2026-09-29