Home Insurance in White Hall, Alabama
The typical home in White Hall was built around 1992. About 6% of homes were built before 1960, about 4 points below Lowndes County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In White Hall, the housing stock is 41% single-family homes and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in White Hall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
White Hall has an owner-occupancy rate of 74% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In White Hall, 51% of homes 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.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1992 |
|---|---|
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)