Home Insurance in North Johns, Alabama
The median home value in North Johns is $74,600, 69% lower than the Jefferson County median.
The typical home in North Johns was built around 1951. About 69% of homes were built before 1960, about 40 points above Jefferson County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in North Johns is 79% single-family homes and 21% mobile or manufactured homes.
In North Johns, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in North Johns are owner-occupied.
Most homes in North Johns - 72% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $74,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)