Home Insurance in Daviston, Alabama
Homes in Daviston carry a median value of $120,800 - 24% lower than the Tallapoosa County median.
The typical home in Daviston was built around 1978. About 33% of homes were built before 1960, about 17 points above Tallapoosa County's 16%. 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 Daviston is 75% single-family homes and 25% mobile or manufactured homes.
33% of owner-occupied homes in Daviston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Daviston has an owner-occupancy rate of 97% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Daviston - 66% - are primarily heated with electricity.
What's the biggest home insurance risk near Daviston? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Tallapoosa County and Tallapoosa County had 83 active NFIP flood policies as of September 2026. See the full Tallapoosa County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $120,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Tallapoosa County | 83 |
| 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)