Home Insurance in Trafford, Alabama
With a median home value of $116,500, Trafford is 51% lower than the Jefferson County median.
The typical home in Trafford was built around 1962. About 45% of homes were built before 1960, about 17 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 Trafford is 62% single-family homes, 6% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 35% of owner-occupied homes in Trafford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Trafford has an owner-occupancy rate of 56% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
59% of homes in Trafford are primarily heated with natural gas.
Jefferson County had 1,466 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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 | $116,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)