Home Insurance in Baldwin County, Alabama
The median home value in Baldwin County is $316,900, 51% higher than the Alabama median.
The typical home in Baldwin County was built around 1999. About 5% of homes were built before 1960, about 11 points below Alabama's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Baldwin County, the housing stock is 67% single-family homes, 19% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Baldwin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Baldwin County are owner-occupied.
87% of homes in Baldwin County are primarily heated with electricity.
Per FEMA's National Risk Index, Baldwin County's top hazards are hurricane (Very High), tornado (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Baldwin County has 24,999 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $316,900 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 24,999 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bay Minette
- Daphne
- Elberta
- Fairhope
- Foley
- Gulf Shores
- Loxley
- Magnolia Springs
- Perdido Beach
- Silverhill
- Spanish Fort
- Summerdale
Smaller communities
-
Orange Beach
- Median home value: $502,400
- Median year built: 2000
- Owner-occupied share: 68%
-
Robertsdale
- Median home value: $229,300
- Median year built: 2000
- Owner-occupied share: 71%
Sources
- 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)