Home Insurance in Mosses, Alabama
The median home value in Mosses is $66,500, 23% lower than the Lowndes County median.
The typical home in Mosses was built around 1980. About 21% of homes were built before 1960, about 10 points above Lowndes County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mosses, the housing stock is 48% single-family homes and 32% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Mosses carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mosses has an owner-occupancy rate of 56% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 73% of homes in Mosses are primarily heated with electricity.
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 | $66,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)