Home Insurance in Clayton, Alabama
With a median home value of $72,300, Clayton is 36% lower than the Barbour County median.
The typical home in Clayton was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 27 points above Barbour County's 18%.
The housing stock in Clayton is 62% single-family homes, 11% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Clayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clayton has an owner-occupancy rate of 53% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Most homes in Clayton - 84% - 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.
What's the biggest home insurance risk near Clayton? FEMA's National Risk Index points to hurricane (Relatively Low) in Barbour County and 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.
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 | $72,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)