Home Insurance in Pleasant Grove, Alabama
The median home value in Pleasant Grove is $226,400, 6% lower than the Jefferson County median.
The typical home in Pleasant Grove was built around 1983. About 11% of homes were built before 1960, about 18 points below Jefferson County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pleasant Grove, the housing stock is 94% single-family homes and 4% apartments in buildings with 5+ units.
In Pleasant Grove, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pleasant Grove has an owner-occupancy rate of 79% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Pleasant Grove - 63% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Pleasant Grove? FEMA's National Risk Index points to tornado (Very High) in Jefferson County and 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 | $226,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)