Home Insurance in Baileyton, Alabama
Homes in Baileyton carry a median value of $89,800 - 55% lower than the Cullman 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 Baileyton was built around 1994. About 12% of homes were built before 1960, in line with Cullman County (13%).
In Baileyton, the housing stock is 58% single-family homes and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Baileyton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Baileyton has an owner-occupancy rate of 86% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Baileyton - 68% - 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.
Cullman County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Cullman County had 80 active NFIP flood policies as of September 2026. See the full Cullman 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 | $89,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Cullman County | 80 |
| 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)