Home Insurance in Woodland, Alabama
With a median home value of $416,700, Woodland is 129% higher than the Randolph County median.
The typical home in Woodland was built around 2001. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 5 points below Randolph County's 16%.
In Woodland, the housing stock is 81% single-family homes, 1% apartments in buildings with 5+ units and 6% 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.
In Woodland, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Woodland are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in Woodland are primarily heated with electricity.
What's the biggest home insurance risk near Woodland? FEMA's National Risk Index points to hurricane (Relatively Low) in Randolph County and Randolph County had 15 active NFIP flood policies as of September 2026. See the full Randolph 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 | $416,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Randolph County | 15 |
| 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)