Home Insurance in Livingston, Alabama
The median home value in Livingston is $156,100, 89% higher than the Sumter County median.
The typical home in Livingston was built around 1977. About 17% of homes were built before 1960, in line with Sumter County (16%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Livingston is 61% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Livingston, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Livingston has an owner-occupancy rate of 43% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
90% of homes in Livingston are primarily heated with electricity.
What's the biggest home insurance risk near Livingston? FEMA's National Risk Index points to tornado (Relatively Moderate) in Sumter County and Sumter County had 38 active NFIP flood policies as of September 2026. See the full Sumter County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $156,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Sumter County | 38 |
| 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)