Home Insurance in Triana, Alabama
The median home value in Triana is $278,200, 7% lower than the Madison County median.
The typical home in Triana was built around 2013. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 6 points below Madison County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Triana is 89% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Triana, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Triana are owner-occupied.
In Triana, 82% of homes are primarily heated with electricity.
Madison County had 3,354 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Madison 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 home value | $278,200 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Madison County | 3,354 |
| 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)