Home Insurance in Kimberly, Alabama
Homes in Kimberly carry a median value of $322,300 - 34% higher than the Jefferson County median.
The typical home in Kimberly was built around 2002. About 10% of homes were built before 1960, about 19 points below Jefferson County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kimberly is 97% single-family homes and 3% mobile or manufactured homes.
About 59% of owner-occupied homes in Kimberly have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 93% of occupied homes in Kimberly are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kimberly - 78% - are primarily heated with electricity.
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 | $322,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)