Home Insurance in Gulf Shores, Alabama
With a median home value of $382,700, Gulf Shores is 21% higher than the Baldwin County median.
The typical home in Gulf Shores was built around 2000. About 1% of homes were built before 1960, about 4 points below Baldwin County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Gulf Shores, the housing stock is 46% single-family homes, 46% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
56% of owner-occupied homes in Gulf Shores carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gulf Shores has an owner-occupancy rate of 71% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
92% of homes in Gulf Shores are primarily heated with electricity.
Baldwin County had 24,999 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Baldwin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $382,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)