Home Insurance in Fulton, Alabama
Homes in Fulton carry a median value of $117,300 - close to the Clarke County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fulton was built around 1968. About 17% of homes were built before 1960, about 2 points above Clarke County's 15%.
The housing stock in Fulton is 87% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
4% of owner-occupied homes in Fulton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Fulton are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Fulton - 64% - are primarily heated with natural gas.
FEMA rates Clarke County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Clarke County had 28 active NFIP flood policies as of September 2026. See the full Clarke 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 | $117,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 4% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Clarke County | 28 |
| 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)