Home Insurance in Trussville, Alabama
Homes in Trussville carry a median value of $370,300 - 54% higher than the Jefferson County median.
The typical home in Trussville was built around 1999. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 21 points below Jefferson County's 28%.
In Trussville, the housing stock is 97% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Trussville, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Trussville has an owner-occupancy rate of 92% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
62% of homes in Trussville 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 | $370,300 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 92% |
| 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)