Home Insurance in Blue Springs, Alabama
The median home value in Blue Springs is $74,300, 34% lower than the Barbour County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Blue Springs was built around 1978. About 25% of homes were built before 1960, about 6 points above Barbour County's 18%.
In Blue Springs, the housing stock is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Blue Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Blue Springs are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Blue Springs - 90% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Barbour County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Barbour County had 31 active NFIP flood policies as of September 2026. See the full Barbour County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $74,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Barbour 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)