Home Insurance in Clay, Alabama
Homes in Clay carry a median value of $220,600 - 8% lower than the Jefferson County median.
The typical home in Clay was built around 1994. About 8% of homes were built before 1960, about 20 points below Jefferson County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Clay breaks down to 93% single-family homes and 7% apartments in buildings with 5+ units.
In Clay, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clay has an owner-occupancy rate of 91% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Clay - 51% - are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively High, led by tornado (Very High). 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.
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 | $220,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)