Home Insurance in Grimes, Alabama
The median home value in Grimes is $105,100, 27% lower than the Dale 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 Grimes was built around 1980. About 13% of homes were built before 1960, in line with Dale County (13%).
The housing stock in Grimes is 71% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Grimes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Grimes are owner-occupied.
Most homes in Grimes - 95% - are primarily heated with electricity.
Dale County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Dale County had 68 active NFIP flood policies as of September 2026. See the full Dale 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 | $105,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Dale County | 68 |
| 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)