Home Insurance in Hueytown, Alabama
The median home value in Hueytown is $155,300, 35% lower than the Jefferson 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 Hueytown was built around 1972. About 23% of homes were built before 1960, about 5 points below Jefferson County's 28%.
The housing stock in Hueytown is 88% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hueytown, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hueytown has an owner-occupancy rate of 82% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
55% of homes in Hueytown 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.
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 | $155,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)