Home Insurance in Graysville, Alabama
The median home value in Graysville is $116,900, 51% 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 Graysville was built around 1959. About 53% of homes were built before 1960, about 25 points above 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 Graysville is 93% single-family homes and 6% mobile or manufactured homes.
In Graysville, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Graysville has an owner-occupancy rate of 60% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
49% of homes in Graysville are primarily heated with natural gas.
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.
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 | $116,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)