Home Insurance in Haleyville, Alabama
The median home value in Haleyville is $97,600, 18% lower than the Winston County median.
The typical home in Haleyville was built around 1970. About 25% of homes were built before 1960, about 14 points above Winston County's 11%. 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 Haleyville is 69% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Haleyville, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Haleyville has an owner-occupancy rate of 49% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Haleyville, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Haleyville? FEMA's National Risk Index points to earthquake (Relatively Low) in Winston County and Winston County had 31 active NFIP flood policies as of September 2026. See the full Winston County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $97,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Winston County | 31 |
| 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)