Home Insurance in Cardiff, Alabama
With a median home value of $80,000, Cardiff is 67% lower than the Jefferson County median.
The typical home in Cardiff was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 19 points below Jefferson County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cardiff is 18% single-family homes and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Cardiff, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 21% of occupied homes in Cardiff are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cardiff, 99% of homes are primarily heated with electricity.
Jefferson County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Jefferson County had 1,466 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $80,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 21% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Jefferson County | 1,466 |
| 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)