Home Insurance in Bay Minette, Alabama
Homes in Bay Minette carry a median value of $173,000 - 45% lower than the Baldwin County median.
The typical home in Bay Minette was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 12 points above Baldwin County's 5%.
In Bay Minette, the housing stock is 75% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Bay Minette carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Bay Minette are owner-occupied.
In Bay Minette, 85% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bay Minette? FEMA's National Risk Index points to hurricane (Very High) in Baldwin County and Baldwin County had 24,999 active NFIP flood policies as of September 2026. See the full Baldwin 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 | $173,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Baldwin County | 24,999 |
| 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)