Home Insurance in Fultondale, Alabama
The median home value in Fultondale is $186,100, 22% lower than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fultondale was built around 1987. About 13% of homes were built before 1960, about 16 points below Jefferson County's 28%.
The housing stock in Fultondale is 79% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
60% of owner-occupied homes in Fultondale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Fultondale are owner-occupied.
53% of homes in Fultondale are primarily heated with electricity.
Jefferson County had 1,466 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Jefferson 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 | $186,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)