Home Insurance in South Vinemont, Alabama
With a median home value of $170,000, South Vinemont is 15% lower than the Cullman County median.
The typical home in South Vinemont was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, in line with Cullman County (13%).
In South Vinemont, the housing stock is 62% single-family homes, 4% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in South Vinemont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in South Vinemont are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In South Vinemont, 83% of homes are primarily heated with electricity.
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 | $170,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)