Home Insurance in Spanish Fort, Alabama
With a median home value of $343,900, Spanish Fort is 9% higher than the Baldwin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Spanish Fort was built around 1999. About 2% of homes were built before 1960, about 3 points below Baldwin County's 5%.
The housing stock in Spanish Fort is 69% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 74% of owner-occupied homes in Spanish Fort have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Spanish Fort are owner-occupied.
76% of homes in Spanish Fort are primarily heated with electricity.
Baldwin County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
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 | $343,900 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)