Home Insurance in Westover, Alabama
With a median home value of $297,400, Westover is 9% lower than the Shelby County median.
The typical home in Westover was built around 2003. About 7% of homes were built before 1960, about 3 points above Shelby County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Westover is 87% single-family homes and 12% mobile or manufactured homes.
In Westover, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Westover are owner-occupied. The vacancy rate is 4%; 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. 52% of homes in Westover are primarily heated with electricity.
Shelby County had 579 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Shelby 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 | $297,400 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)