Home Insurance in Kellyton, Alabama
The median home value in Kellyton is $108,900, 6% lower than the Coosa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kellyton was built around 1965. About 50% of homes were built before 1960, about 34 points above Coosa County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kellyton is 64% single-family homes and 36% mobile or manufactured homes.
26% of owner-occupied homes in Kellyton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Kellyton are owner-occupied.
Most homes in Kellyton - 52% - 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.
Coosa County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Coosa County had 18 active NFIP flood policies as of September 2026. See the full Coosa 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 | $108,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Coosa County | 18 |
| 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)