Home Insurance in Montevallo, Alabama
Homes in Montevallo carry a median value of $220,700 - 32% lower than the Shelby County median.
The typical home in Montevallo was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 12 points above Shelby County's 4%.
Housing in Montevallo breaks down to 75% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Montevallo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Montevallo has an owner-occupancy rate of 65% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Montevallo, 86% of homes are primarily heated with electricity.
Shelby County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Shelby County had 579 active NFIP flood policies as of September 2026. See the full Shelby 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 | $220,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Shelby County | 579 |
| 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)