Home Insurance in Tarrant, Alabama
The median home value in Tarrant is $120,100, 50% 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 Tarrant was built around 1960. About 50% of homes were built before 1960, about 21 points above Jefferson County's 28%.
Housing in Tarrant breaks down to 75% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Tarrant, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 39% of occupied homes in Tarrant are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Tarrant are primarily heated with natural gas.
What's the biggest home insurance risk near Tarrant? 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.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $120,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)