Home Insurance in Gaylesville, Alabama
Homes in Gaylesville carry a median value of $137,500 - 23% lower than the Cherokee County median.
The typical home in Gaylesville was built around 1972. About 41% of homes were built before 1960, about 26 points above Cherokee County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gaylesville is 76% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
19% of owner-occupied homes in Gaylesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Gaylesville are owner-occupied.
Most homes in Gaylesville - 63% - 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 Gaylesville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Cherokee County and Cherokee County had 186 active NFIP flood policies as of September 2026. See the full Cherokee 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 | $137,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cherokee County | 186 |
| 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)