Home Insurance in Warrior, Alabama
The median home value in Warrior is $149,800, 38% lower than the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Warrior was built around 1981. About 23% of homes were built before 1960, about 6 points below Jefferson County's 28%.
In Warrior, the housing stock is 56% single-family homes, 6% apartments in buildings with 5+ units and 24% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Warrior carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Warrior has an owner-occupancy rate of 64% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Warrior, 58% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Warrior? 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 | $149,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)