Home Insurance in Goldville, Alabama
With a median home value of $33,800, Goldville is 79% lower than the Tallapoosa County median.
The typical home in Goldville was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 17 points above Tallapoosa County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Goldville is 44% single-family homes and 56% mobile or manufactured homes.
Almost no owner-occupied homes in Goldville carry a mortgage.
About 50% of occupied homes in Goldville are owner-occupied.
Most homes in Goldville - 61% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Goldville? 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.
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 | $33,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)